SparkPeople Saving Money Secrets http://www.sparkpeople.com/secrets-category.asp?category=saving-money Learn some of the secrets of success for Saving Money from SparkPeople members. SparkPeople Saving Money Secrets http://www.sparkpeople.com/assets/nav/nav_logo_v3.gif http://www.sparkpeople.com/secrets-category.asp?category=saving-money Save just a little more with this: http://www.sparkpeople.com/secrets.asp?tip=42847_save_just_a_little_more_with_this Making your own laundry detergent, softener, soap. candles, steak sauce, BBQ sauce, creamy sauces and more. Tue, 9 Dec 2014 13:10:00 EST Chicken broth http://www.sparkpeople.com/secrets.asp?tip=42683_chicken_broth I keep canned chicken in pantry for emergencies. I drain the broth from can into a jar that I keep in the freezer before using the chicken. When a recipe calls for chicken broth, I have some waiting in the freezer without purchasing more containers of chicken broth. Thu, 24 Jul 2014 11:40:00 EST Cut your Brillo/SOS pads before using http://www.sparkpeople.com/secrets.asp?tip=42666_cut_your_brillosos_pads_before_using With a lot of easier to clean surfaces and pots/pans, I don't need a Brillo pad very often. It gets all rusty and gooey with soap before its next use. So now I cut the pad into fourths and just use a small piece and toss it. Since I buy them at the Dollar store and there's 10 in a box, each section costs about 2.5¢. Thu, 17 Jul 2014 11:35:00 EST Secret Account http://www.sparkpeople.com/secrets.asp?tip=42650_secret_account I set up a secret account in a bank that is to far for me to go to. This bank is also smaller and has better interest rates. When I have extra cash I take it to that bank (to keep it active). Thu, 10 Jul 2014 10:00:00 EST Make Goo Gone last longer with a smaller dispensing http://www.sparkpeople.com/secrets.asp?tip=42588_make_goo_gone_last_longer_with_a_smaller_dispensing I like Goo Gone for the occasional sticker residue and things like that, but the top of the small bottle usually dispenses way too much for what I need.<br>I found using a toothpick to create a small hole dead center of the sealing paper allows much more control over how much is dispensed. Sat, 14 Jun 2014 15:09:00 EST Make your own $20 olive oil spritzer http://www.sparkpeople.com/secrets.asp?tip=42586_make_your_own_20_olive_oil_spritzer I was inspired when I saw that someone was selling a spray bottle just for Olive Oil but for $20. Not me. So I bought a small spray bottle for $1.49 and rinsed it with boiling water and a small amount of bleach and let it dry.<br>I'm loving it. Fri, 13 Jun 2014 11:28:00 EST Thrifty foaming hand soap http://www.sparkpeople.com/secrets.asp?tip=42561_thrifty_foaming_hand_soap Foaming soap can easily be made using an empty foaming soap container. Simply squeeze in a couple tablespoons of dishwashing liquid such as Ivory or Dawn.. Fill the container with water. Shake.<br>Some experimenting may be necessary to get the proper ratio of liquid soap and water. Fri, 6 Jun 2014 14:45:00 EST Make a budget and beat it! http://www.sparkpeople.com/secrets.asp?tip=42541_make_a_budget_and_beat_it Try making a budget for yourself (Mint.com is a great free tool to do this). Set yourself a monthly budget. Each month, try to decrease your allowances by 5% (for the things you CAN change) and try to stick to the new budget. Alternatively, reduce your biggest spending categories by 10%! For me, that's restaurants and eating out - good on the wallet and the belly. Fri, 30 May 2014 12:35:00 EST Work a second job for the discounts http://www.sparkpeople.com/secrets.asp?tip=42518_work_a_second_job_for_the_discounts Occasionally I need some extra cash and find that working at a place with employee discounts helps a lot. Wed, 21 May 2014 17:20:00 EST Keep your car running for at least 200,000 miles http://www.sparkpeople.com/secrets.asp?tip=42435_keep_your_car_running_for_at_least_200000_miles Do the maintenance in the owner's manual but only that maintenance -- many places like to tack on extras -- how many times have they wanted to vacuum your air conditioning system?<br><br>Fix problems as soon as they occur. Our cars have systems that can break if another system is broken. Wed, 30 Apr 2014 13:14:00 EST Gift cards http://www.sparkpeople.com/secrets.asp?tip=42425_gift_cards I am not always the greatest at savings. Should not always depend on a credit card, that's how some people get into debt and never get out. What I like to do is when I have extra cash, I like to pre-load a card either from home online or instore with extra cash I have, then when I am low and would love to get out (ie from Tim Horton's or Subway), I already have the money to pay. Sun, 27 Apr 2014 09:15:00 EST Me First http://www.sparkpeople.com/secrets.asp?tip=42395_me_first I have a savings account, and money goes in every time I get paid. Over time, I've increased the amount I deposit. The real trick is to save more than you think you can. After saving for years but not having as much as I thought I should, I challenged myself to save a certain amount from every paycheck - no matter what. <br><br>When you have savings to fall back on, you don't worry about paying your bills. Less stress leads to a happier life. Sun, 13 Apr 2014 14:07:00 EST Vacation funds from spare change. http://www.sparkpeople.com/secrets.asp?tip=42294_vacation_funds_from_spare_change I never give exact change. I might dole out the pennies to only get silver coins back, but never any more than that. Every couple of days or so, I transfer the change from my purse to an opaque jar on my shelf, and when it gets too full, I roll the change and put it in a box in the closet. When vacation time rolls around, this becomes my spending money, and by saving all my change for a year, I end up with $300-$500 bucks I didn't even feel like I was saving. Thu, 13 Mar 2014 11:54:00 EST Money for whatever your heart desires http://www.sparkpeople.com/secrets.asp?tip=42292_money_for_whatever_your_heart_desires Do you want some extra money for a vacation or for Christmas or a new item for your home. <em>306</em> Wed, 12 Mar 2014 21:18:00 EST People Laugh at Me because ... http://www.sparkpeople.com/secrets.asp?tip=42243_people_laugh_at_me_because_ I have a Trac Phone! I have no bill, no contract and pay $19.99 every 60 days. Thu, 20 Feb 2014 15:32:00 EST Stretch your shampoo & stretch your dollars http://www.sparkpeople.com/secrets.asp?tip=42241_stretch_your_shampoo_stretch_your_dollars Most shampoo are heavy on the suds and we tend to use more than we should on top of that. I use an empty bottle and fill half the bottle with shampoo and the other half with water. Your hair (because the detergent in shampoo is diluted) and wallet will thank you. Thu, 20 Feb 2014 08:06:00 EST Dye hair 2x from 1 box http://www.sparkpeople.com/secrets.asp?tip=42108_dye_hair_2x_from_1_box If you use same color all the time ,you can use only 1/2 of the tube of dye and colorant from your Loreal box .I put the rest in fridge until next time .Take it out 3 hours before I use it ,to get room temperature .I color my hair for years and if you do the roots only, you don't need a whole box. Sat, 18 Jan 2014 06:36:00 EST No cellphone bill monthly http://www.sparkpeople.com/secrets.asp?tip=42093_no_cellphone_bill_monthly I got a pre payed phone T-Mobil loaded with 100 $ for the year(1000 min.)I can text or call even international .If I need more min. I add more. I do not have a cell bill monthly in the last 3 years and don't missed. Tue, 14 Jan 2014 08:17:00 EST Cheap Warming Tray No Electricity and Party Helper http://www.sparkpeople.com/secrets.asp?tip=42071_warming_tray_no_electricity A metal cupcake pan bottom of stainless kitchen sink...put a few tea lights in pan. Space candles as needed.<br>Put a metal cookie tray that overlaps the sink...leaving air gaps along sides. The tray got warm pretty quickly and it was perfect for keeping our mugs of coffee/cocoa warm in a cold room when the power went out. The tea lights last for hours. CAUTION: Tray can get HOT depending on number of candles and an open flame is a fire hazard...the more candles, the more heat. <br> <em>14... Wed, 8 Jan 2014 17:52:00 EST Grocery Gift Cards to Me! http://www.sparkpeople.com/secrets.asp?tip=42060_grocery_gift_cards_to_me I learned from the government shutdown that a sudden pay loss can be crippling to a family. When the dust settled and the paychecks resumed I bought a gift card from the grocery stores I frequent. Each week I add $10 to one of them. Should an emergency occur, I have some back up to be able to feed my family. Sun, 5 Jan 2014 03:45:00 EST Stretching Your Dollars http://www.sparkpeople.com/secrets.asp?tip=42029_stretching_your_dollars WAtch the weekly sales flyers and if you have a Coupon Lady to watch check her out too. Last week, though I religiously read flyers, I missed a "Free" item and caught it when watching the Coupon Lady. Thu, 26 Dec 2013 18:59:00 EST Eat Real Food http://www.sparkpeople.com/secrets.asp?tip=42025_eat_real_food If you go to the grocery store you may notice the cheapest way to buy a potato is in a ten pound bag. A slightly more expensive way is one by one. If you buy them frozen like fries or hash browns they become more expensive still. The more processed a food item gets the more $$ per pound you pay. The most expensive way to buy a potato? Probably a potato chip - so save money by buying the least processed Thu, 26 Dec 2013 10:33:00 EST My Favorite Bathroom Spray http://www.sparkpeople.com/secrets.asp?tip=42009_my_favorite_bathroom_spray If you have any old perfume or cologne bottles that you no longer use...think about using them for a bathroom spray. A tiny spritz in the air or on a curtain is so much more effective than those awful smelling commercial sprays. Guests would appreciate a label letting them know the bottle is free to use for odors. Not just for bathrooms...the house might need a tiny spritz here and there...smell lasts longer if you spray it on some material...don't over do it though! <em>148</em> Mon, 16 Dec 2013 23:07:00 EST Laundry Soap Recipe http://www.sparkpeople.com/secrets.asp?tip=41972_laundry_soap_recipe This is cheap and compares to Tide with Bleach Alternative. Use 2 Tablespoons per load. Mix equal parts: borax, washing soda, Oxygen Cleaner, and powdered SUN laundry detergent. This really gets the stains out and whitens and brightens! Any powdered laundry detergent can be used in the recipe and mix it in a ziploc bag that has been closed! You can use Oxyclean for the Oxygen cleaner, but I use the off brand Mon, 2 Dec 2013 21:28:00 EST Use less laundry soap! http://www.sparkpeople.com/secrets.asp?tip=41971_use_less_laundry_soap Try using 1-2 Tablespoons of Laundry soap per load saves hundreds of dollars per year! If you are worried about stains, simply let the clothes soak all night after agitating and finish running the load in the morning! Free and easy stain soak and cleaner clothes! Mon, 2 Dec 2013 21:25:00 EST Use those over ripe bananas! http://www.sparkpeople.com/secrets.asp?tip=41904_use_those_over_ripe_bananas I personally hate to eat over ripe bananas. I either freeze them (without the peel) and I can use them in a smoothie! Or use them to make banana bread! Wed, 6 Nov 2013 23:34:00 EST Keep a Coin Rolling Schedule http://www.sparkpeople.com/secrets.asp?tip=41829_keep_a_coin_rolling_schedule We kept a coin jar, but we'd roll coins and exchange it for cash immediately then spend it; no savings there. Now we wait to roll until the jar is at least 3/4 full, and it has to go in our savings account. Seeing a large amount helps us stay motivated. Fri, 18 Oct 2013 09:45:00 EST be your own chef http://www.sparkpeople.com/secrets.asp?tip=41767_be_your_own_chef Stop fast foods and dont buy breadmakers. Bake breads and freeze it. Tue, 1 Oct 2013 10:21:00 EST There Really Is No Secret http://www.sparkpeople.com/secrets.asp?tip=41694_there_really_is_no_secret It's all in common sense. Don't follow any of the hype or the so-called miracle tips. Just employ steady, consistent, sensible principles of smart eating and remaining physical. Mon, 9 Sep 2013 12:35:00 EST Start a Streak http://www.sparkpeople.com/secrets.asp?tip=41668_start_a_streak I started a Save $1 a Day Streak in my Other Goals Tracker on October 17, 2008. I've been *streaking* for 1793 days. Most days, I put more then $1 in the kitty. I love this streak! Guess how much money I have saved? <em>224</em> Mon, 2 Sep 2013 00:21:00 EST Employee Discounts http://www.sparkpeople.com/secrets.asp?tip=41606_employee_discounts I took a part-time job at a major sports and fitness retailer. The pay isn't fabulous, but the employee discount sure is! Now I have quality workout wear in my new size, a foam roller, and fitness gifts for family. Mon, 19 Aug 2013 10:39:00 EST Workout early annd save on bills http://www.sparkpeople.com/secrets.asp?tip=41580_workout_early_annd_save_on_bills I´m all about a hot shower, but working out first thing in the morning I don´t need or want hot water <em>259</em> . A cold shower is all I need and I get to save energy... <em>189</em> Tue, 13 Aug 2013 15:16:00 EST Meal Plan http://www.sparkpeople.com/secrets.asp?tip=41578_meal_plan Plan your weekly menu before you head to the store. Make your list and stick to it. Even better, do 2 weeks at a time and then you only have to get odds and ends. Saves time because you have everything you need on hand. You save on impulse purchases by sticking to your list. Tue, 13 Aug 2013 14:39:00 EST Save the change http://www.sparkpeople.com/secrets.asp?tip=41563_save_the_change using a checking account for rewards Mon, 12 Aug 2013 09:06:00 EST Cleaning S Steel http://www.sparkpeople.com/secrets.asp?tip=41552_cleaning_s_steel Bicarb / baking soda made into a paste does a wonderful job cleaning Stainlesssteel Sat, 10 Aug 2013 12:00:00 EST Quit smoking.. go to the casino instead http://www.sparkpeople.com/secrets.asp?tip=41528_quit_smoking_go_to_the_casino_instead I was paying 6.30 x 30 days a month . Thats180.00 I spend at the casino. I even win sometimes. Try to stay in the non smoking section when you first quit. Look at it this way..... At least your not killing yourself. Thu, 1 Aug 2013 17:10:00 EST Car Washing http://www.sparkpeople.com/secrets.asp?tip=41492_car_washing Instead of using the drive through car wash, do it yourself. You can save a few dollars a month doing this. Also it adds a little activity to your day. Wed, 24 Jul 2013 11:41:00 EST Checkout Free Workout DVDS http://www.sparkpeople.com/secrets.asp?tip=41486_checkout_free_workout_dvds Check out free work out dvds from your local library! If you're unsure about a dvd and want to try it out before you buy it, or if you want to switch up your workout, check out your library for dvds to check out for free! Mon, 22 Jul 2013 17:29:00 EST stop spending money on things that wont be there in a few hours http://www.sparkpeople.com/secrets.asp?tip=41479_stop_spending_money_on_things_that_wont_be_there_in_a_few_hours fast food pop cigs junk food and more fit into this! I save tons by only eating out twice a month or less. I drink water w lemon and I skip junk food that adds up and make sweets @ home...we are spending our lives paying for thing that don't even last a day! Sat, 20 Jul 2013 15:30:00 EST Ditch the windex! http://www.sparkpeople.com/secrets.asp?tip=41458_ditch_the_windex A super easy glass cleaner that dose just as well if not better is as follows. Take a spray bottle and fill half with warm water. Add two tbsp. of corn starch and fill the rest of the bottle with equal parts vinegar and rubbing alcohol. Shake well before each use as corn starch will settle. Try a batch I bet you will love it! Sat, 13 Jul 2013 15:15:00 EST Ditch costly cleaners! http://www.sparkpeople.com/secrets.asp?tip=41457_ditch_costly_cleaners Even the dollar store cant beat the price of a homemade cleaner in the long run! Vinegar and water cleans almost everything just as well! You just mix it in a spray bottle and go! Use at least a 1 to 4 ratio but if you don't mind the smell you can use it straight! Sat, 13 Jul 2013 15:11:00 EST Ditch the swiffer! http://www.sparkpeople.com/secrets.asp?tip=41456_ditch_the_swiffer I have always had a Swiffer since iv been on my own, but the pad and cleaner cost so much! I found a reusable version of a Swiffer for about what a real Swiffer cost at Wal-Mart but with a cloth rewash able pad and a container you refill yourself with whatever you want! I use vinegar water and a squirt of dawn for mine! Iv had it for two years and LOVE it! Sat, 13 Jul 2013 15:05:00 EST Buy in bulk http://www.sparkpeople.com/secrets.asp?tip=41421_buy_in_bulk We are discovering that we can save over $100 per month just by buying in bulk. Things like rice, dried beans, cereal and spices. Sun, 7 Jul 2013 23:02:00 EST Realizing What We Can't Afford http://www.sparkpeople.com/secrets.asp?tip=41402_realizing_what_we_cant_afford Recently my family has had to face the music and realize that no matter how much we love the area we live in, with the rising cost of gas, and cost of living; we realize that we can no longer afford to live in an expensive house more than an hour away from town and jobs. We've come to the realization that in order to pay off past due debts and have a little left over to save each month, it's time to move into a cheaper place that's closer to work. Fri, 5 Jul 2013 08:22:00 EST Go on a Picnic Instead of Out to Dinner http://www.sparkpeople.com/secrets.asp?tip=41288_go_on_a_picnic_instead_of_out_to_dinner For my husband and me, our favorite "date night" is to pack a picnic of turkey and ham sub sandwiches and fresh fruit. We walk down to the beach a mile away and watch the sunset into the Gulf of Mexico while we talk about our lives. It's so romantic and basically FREE. Sat, 15 Jun 2013 15:15:00 EST Gave Up My Car http://www.sparkpeople.com/secrets.asp?tip=41287_gave_up_my_car I know this wouldn't work for everyone because you have to get to work, but if you don't really NEED your vehicle, consider living without it. This is what I did 4- 1/2 years ago. I ride a bike with a basket on it. I walk. I take the bus. Occasionally I take a cab. But I'm saving lots of money and getting lots of extra exercise to boot. Sat, 15 Jun 2013 13:57:00 EST Drink Tap Water http://www.sparkpeople.com/secrets.asp?tip=41277_drink_tap_water Bottled water is so expensive. The tap water is safe to drink in almost all areas of the country. (Check the government reports on your local water tests). I keep a jug of tap water in the refrigerator so it's always cold and I use lots of ice. I always carry a refillable plastic bottle of ice water whenever I step foot out of the house. Water is included with our rent, so I'm saving "buckets" of money by drinking tap water instead of bottled water. Wed, 12 Jun 2013 14:32:00 EST Vending Machines http://www.sparkpeople.com/secrets.asp?tip=41268_vending_machines Don't carry any money you can put into a vending machine. Leave all your change and single at home and put them toward your savings account. This helps save money and helps keep your waistline down. Wed, 12 Jun 2013 05:44:00 EST use crockpots more often http://www.sparkpeople.com/secrets.asp?tip=41229_use_crockpots_more_often i challenged myself to find ways to cut back and save more money ...one idea was to use a crockpot as much as possible ( so that i wouldnt have to use the oven ) i got 1 large crockpot(maindish) and 2 smaller ones ( side dishes) results ...my electric bill was $40 cheaper ,which ill take to pay on a debt im currently working to pay off Thu, 6 Jun 2013 15:26:00 EST Make a list... http://www.sparkpeople.com/secrets.asp?tip=41218_make_a_list for the grocery store and stick to it! Thu, 6 Jun 2013 08:52:00 EST ALDI'S http://www.sparkpeople.com/secrets.asp?tip=41216_aldis Shop at ADLI normally the food is cheaper. I get the brown rice in a box ,it's cheaper and less calories. Thu, 6 Jun 2013 07:54:00 EST paycheck raise http://www.sparkpeople.com/secrets.asp?tip=41215_paycheck_raise Every time you get a raise, take it to increase you 401k. Thu, 6 Jun 2013 07:51:00 EST extra money for savings http://www.sparkpeople.com/secrets.asp?tip=41214_extra_money_for_savings If you have a $1000.00 get a money market at the bank. The interest is more then a saving account and can only withdrawn from it 6x a year. Every two weeks when I get pay I calculate 10% of it and round up to the 10th dollar. ex:if 10% is $90 up to $100. Place half of it in the money market and the other half in the savings. If you get pay three times a month normally one of the paychecks insurance is not taken out.Figure you insurance and 10%. Extra in your account. Thu, 6 Jun 2013 07:48:00 EST Secret Kroger Savings http://www.sparkpeople.com/secrets.asp?tip=41209_secret_kroger_savings If you purchase a prepaid Kroger credit card, reloadable; it acts as a Kroger card and for every 1,000 you get $5 free groceries. With the card, the points do not fall off until you use it. So you can save them up (except for fuel). Another saver is to get the coupons in the mail, instead of online. They cater to you specific taste and you always get coupons for free products that way. I look forward to free frozen veggies and water. This does not apply to online coupons. Thu, 6 Jun 2013 06:55:00 EST why pay for a gym http://www.sparkpeople.com/secrets.asp?tip=41206_why_pay_for_a_gym You have the great outdoors to used.<br>Rake leaves, garden, go for a walk. go for a run, swim. and that is the short list<br>Go ahead get outside and do something. Thu, 6 Jun 2013 02:42:00 EST cook your own dry beans http://www.sparkpeople.com/secrets.asp?tip=41163_cook_your_own_dry_beans Dry beans from the bulk bin can be extremely cheap- at $1-3 per pound, they're way cheaper than canned beans (and you're not likely to add as much sodium as comes in the can). High fiber, high protein, low calories. They don't have to be a lot more work, either. Throw them in the slow cooker in the morning and they'll be ready to use for dinner. Thu, 30 May 2013 14:09:00 EST Shop at Dollar Stores http://www.sparkpeople.com/secrets.asp?tip=41126_shop_at_dollar_stores My favorite places to by groceries are the local dollar stores, i.e; 99 cent stores, Dollar Tree, etc. They carry REAL FOOD, produce, and quite often NAME BRAND items, for less than $1.00! I know that I'm spending my husbands hard-earned money wisely when I shop for groceries and household items at the dollar stores as opposed to larger stores. Wed, 22 May 2013 18:29:00 EST Buy Novelty size yogurt and measure smaller servings! http://www.sparkpeople.com/secrets.asp?tip=41057_buy_novelty_size_yogurt_and_measure_smaller_servings Determine which yogurt suits you best and buy the bulk (large 32oz./2lb. Novelty) container! In order to reduce calories as well as save money, scoop out smaller serving than the standard serving size. Then add your own flavorings to allow for as many variations as you'd like! The larger sizes cost less, being able to define your own serving size allows you to spend even less. A bonus is you get to control your calorie intake as well! A 180 calorie 8oz. yogurt becomes a 90 calorie 4oz. treat... Wed, 15 May 2013 02:33:00 EST Exercise for free http://www.sparkpeople.com/secrets.asp?tip=41045_exercise_for_free Imagine my surprise when at age 60 I had to switch health insurance when they sent me a brochure that explained what Silver Sneakers was and that they would pay for it. I now belong to 2 neighborhood gyms for free. If you are over 60 check with you insurance to see if they offer this preventative <br>perk! Sat, 11 May 2013 14:52:00 EST Christmas savings http://www.sparkpeople.com/secrets.asp?tip=41044_christmas_savings For the last 4 years the adults in our family pool 1/2 the money we would have spent on each other for Christmas and purchase an animal or 2 through World Vision for the less fortunate in another country. We save 1/2 the money and help some people who have far less than we do. Sat, 11 May 2013 14:45:00 EST shop on line http://www.sparkpeople.com/secrets.asp?tip=41043_shop_on_line Use ebates.com to do on line shopping. You can get a percentage back on what you purchase. Most of the stores you shop at are probably there. A lot of stores have free shipping and prices are lower than store prices. My favorite stores are Vitacost.com and Drugstore.com. Go to ebates.com first and click on the store you want. I have been doing this for about 9 months and have saved over $100.00. Sat, 11 May 2013 14:34:00 EST Kroger Brand http://www.sparkpeople.com/secrets.asp?tip=41010_kroger_brand I find that buying Kroger brand on most of the healthy items that i buy saves a lot of money. Compare the nutrition label's of your favorite brand to the Kroger brand and see what I mean. Give it a try. I think you will be just as happy with Kroger brand at a much lower cost. <em>244</em> Fri, 3 May 2013 11:48:00 EST 50-20-30 DEBT RULE- Rule of power pay http://www.sparkpeople.com/secrets.asp?tip=40958_502030_debt_rule_rule_of_power_pay I have a rule called 50-20-30 Debt savings and power pay down...<br>I re budgeted everything and found out I was way over debt.. after working hard on power paying bills I was able to fit into this percentage rules..<br>50% Must haves- rent, insurance, gas, food, your things on what you need to live off of<br>20% savings- Paying down debt<br>30% wants- cell phone, cable bills, subscriptions ect. Things you want but can live without Tue, 23 Apr 2013 13:12:00 EST Coupons http://www.sparkpeople.com/secrets.asp?tip=40936_coupons I get the ads in the paper each weekend and the coupons. I cut out what I need ,check the store ads and compare where is cheaper. I right a list of each store I'm going to ,what I'm getting and what it will cost. I don't buy if it's not on my list Wed, 17 Apr 2013 19:19:00 EST $5 and $1 http://www.sparkpeople.com/secrets.asp?tip=40816_5_and_1 I save every $5 and $1 I bring into the house. I try to pay only in cash because cash is so much harder to spend than using a debit card or credit card. I have a savings account that I put a certain amount of money into every month and treat it like it was credit card/bill. I purchase use whenever possible. For three months I have beeing doing really well. Mon, 25 Mar 2013 12:33:00 EST have a rule! http://www.sparkpeople.com/secrets.asp?tip=40791_have_a_rule I have a rule for saving money and that is I save all my five dollar bills. If a cashier gives me my change back and it is a five dollar bill, I will save it in my jar. It takes some time but it works and you easily add to your saving! Think of the times when you were given a five dollar bill add those lets say and you could have saved over hundreds of dollars! Try it you won't lose anything but will save a bunch! Fri, 22 Mar 2013 15:17:00 EST Round up purchases http://www.sparkpeople.com/secrets.asp?tip=40765_round_up_purchases Rather than entering the exact purchase amount into your check register, round that amount up.<br>Example: I purchased something for $34.46; I'd round that up to $35.00 in my register.<br>The change adds up after a while! Do that for a couple of months to add a cushion to your account, or take that extra and put it into your savings. You're not missing pennies, anyway! <em>52</em> Sun, 17 Mar 2013 11:11:00 EST Straight Talk Android Phones http://www.sparkpeople.com/secrets.asp?tip=40763_straight_talk_android_phones Straight Talk now sells Android phones that can do everything you need it to do so why pay that $160.00 bill to your phone company when it only cost $45.00 for unlimited Straight Talk, talk, text, data and video. They even have two different Androids that you can make payments on for $25.00 a month to purchase the phone. Straight Talk is run by Verison and where I live that covers everywhere. For $6.00 a month I can protect my phone and get it replaced if it is damaged or gets wet. Switch now... Sat, 16 Mar 2013 14:06:00 EST Sell Electronic Divices And Buy 1 Single item. http://www.sparkpeople.com/secrets.asp?tip=40758_sell_electronic_divices_and_buy_1_single_item Sell the electronics that you use separately and get just one of an electronic that will do them all. Fri, 15 Mar 2013 19:52:00 EST Recycle to save http://www.sparkpeople.com/secrets.asp?tip=40750_recycle_to_save This is an online community in each state that you can join to give and take free items, large,and small of all sorts free of charge. Thu, 14 Mar 2013 11:09:00 EST Dave Ramsey's Financial Peace University http://www.sparkpeople.com/secrets.asp?tip=40697_dave_ramseys_financial_peace_university I coordinate DR's Financial Peace University at my church. Would love to hear from anyone who has attended or has questions!! Wed, 6 Mar 2013 16:35:00 EST Who using the cheapest App to lose weight? http://www.sparkpeople.com/secrets.asp?tip=40661_who_using_the_cheapest_app_to_lose_weight NICE+ weight loss for iPhone is now online. Very fresh and cute. The most important fact is that only cost 4.99 for 8 weeks! It helps me keep motivation every day. Thank you for the developer! Thu, 28 Feb 2013 02:42:00 EST Try Aldi! (OZ...and wherever you can find it) http://www.sparkpeople.com/secrets.asp?tip=40659_try_aldi_ozand_wherever_you_can_find_it I moved to OZ over a year ago now and was stunned by the expensive grocery at Woolys and Coles... After some times I finally convinced my partner to try Aldi (as I knew it already from Austria)... and wow did we started saving! Yes they don't have everything but what they have is cheap! Also have a look for weekly specials such as gardening things, electronics, gifts and home ware! Thu, 28 Feb 2013 00:26:00 EST Watch where you spend http://www.sparkpeople.com/secrets.asp?tip=40577_watch_where_you_spend I wrote down every penny I spent for month in a little notebook that I carried with me for one month. After the month, I reviewed where I was spending money. It was an eye opener for me to see where my money was going. Mostly for coffee...now I bring my coffee to work. Sun, 17 Feb 2013 18:55:00 EST Vegans Read This! http://www.sparkpeople.com/secrets.asp?tip=40548_vegans_read_this Save money buying organic foods joining a CSA membership with your local Farmers market. They can deliver it or you pick up a box each week. Find other Vegan people to join in with you buying fresh veggies by the case saves even more. Mon, 11 Feb 2013 06:42:00 EST saving money on e-books http://www.sparkpeople.com/secrets.asp?tip=40518_saving_money_on_ebooks do you have a nook or kindle if so check your local library out they may have a free app from which you can download books. my library gives me two weeks to read them . They also have audio books available. sometimes you have to wait for the newer books but they will send you an email when the book is ready for you to download. this idea also saves gas, time, and money Sun, 10 Feb 2013 08:10:00 EST Repurposing http://www.sparkpeople.com/secrets.asp?tip=40435_repurposing I set a 2013 goal to use up items in my household that were taking up room, and if I can use them to help me/someone else, that is even better!<br><br>I am using yarn to make little girls' ponchos with a free Lion Brand pattern; I am using scraps of fabric to create potholders that will be parts of gifts during the year; I even looked at a deli-container as a possible "greenhouse" to begin plants or perhaps sow some lettuce soon. Sun, 27 Jan 2013 16:59:00 EST easy chicken stock http://www.sparkpeople.com/secrets.asp?tip=40386_easy_chicken_stock You already know that chicken bones make great stock but who has time to do this for a few ounces of stock? Start a "stockpot" in your freezer. Place deli roasted chicken carcasses in a heavy duty gallon freezer bag and store in the freezer. When the bag is filled, its time to make at least a quart of stock. Mon, 21 Jan 2013 10:17:00 EST Stretching Dollars for a Charitable Contribution http://www.sparkpeople.com/secrets.asp?tip=40366_stretching_dollars_for_a_charitable_contribution I have a young cousin who will face numerous heart surgeries. A lot of her medical procedures are provided through Medicare/Medicaid, but the expense for her young parents and little brother to stay in the area [3 hours away from home] are very hard for the family to come up with. Wishing to make a donation, but with my own funds being tight, I took books in my house that I deemed non-necessary to a used book store to start a fund so that I can provide the young family with at least a day's Thu, 17 Jan 2013 21:08:00 EST Try store brands http://www.sparkpeople.com/secrets.asp?tip=40355_try_store_brands I was a brand name shopper for many years. After I was out of work for back surgery, i needed to find ways to cut expenses. I found that the store brands are just as good in some cases. I buy mostly store brands now and I feel I get so much more for my money. Wed, 16 Jan 2013 20:40:00 EST save money EVERY holiday http://www.sparkpeople.com/secrets.asp?tip=40343_save_money_every_holiday the day after a holiday, stores discount their prices on holiday goods usually be 30%, and on down each day after the holiday. I get greeting cards, wrapping paper, trinkets for party bags, table settings, picture frames, gifts, etc. all on clearance. I can use them for the next season, but some things you can use all year round, like table settings and cupcake papers... then next season you save time AND money. <br>Target, grocery stores, even Victoria's Secret!<br> Tue, 15 Jan 2013 15:42:00 EST Pick a "clean the pantry" day http://www.sparkpeople.com/secrets.asp?tip=40338_pick_a_clean_the_pantry_day This is a great money-saving move! Pick one day per month (or week) to clean out the pantry/fridge/freezer. Go over what you have and get creative to make something from it. Make soup, casserole, stir fry, whatever you can think of. If you can stretch it to a week, more power to you! It prevents older food from going to waste and saves you from a grocery run for one more day. Mon, 14 Jan 2013 19:06:00 EST Keep the change http://www.sparkpeople.com/secrets.asp?tip=40337_keep_the_change Whenever you pay for something in cash, keep the change in a jar somewhere. Similarly, you can pick a denomination like a $5 or a $10 and every time you get one you put it away. I've done this with a $5 bill, and ended up saving enough in 6 months to pay for a spring break cruise! Mon, 14 Jan 2013 19:03:00 EST Dollar Tree http://www.sparkpeople.com/secrets.asp?tip=40235_dollar_tree The Dollar Tree has tons of kitchen utensils for only $1- it's a cheap way to buy extras to have on hand so you don't have to do dishes all the time when you're cooking healthful food at home! Mon, 7 Jan 2013 21:18:00 EST Meatless Monday http://www.sparkpeople.com/secrets.asp?tip=40220_meatless_monday Start going meatless for 1 day a week and save up to $10 on your grocery bill for just one day. Start adding in more days meatless save more! You realize you don't really need meat at every meal. Plus its good for you and the environment <em>211</em> Sat, 5 Jan 2013 23:56:00 EST Envelope system http://www.sparkpeople.com/secrets.asp?tip=40210_envelope_system Every month we set aside cash for groceries, entertainment, and basic expenses, all in seperate envelopes. We budget so that we can ONLY spend each month what is in those envelopes for those expenses. When we break a dollar, the change goes into a jar. At the end of the month, any bills leftover and all the change in the jar goes into savings! Sat, 5 Jan 2013 13:31:00 EST Saving on my Checking http://www.sparkpeople.com/secrets.asp?tip=40197_saving_on_my_checking A little tip that works for me, when I write a check I always round the dollar amount to the next number and some times higher. For example if my check is for $76.23 I will subtract $77.00.( I always write the actual amount in one of the columns in the checkbook. ) I also have my deposits showing less than the actual deposits. Example...Check is $2000, I will write in a deposit of $1975. Those few pennies adds up quickly. Fri, 4 Jan 2013 23:42:00 EST Create a weight loss savings bank account... http://www.sparkpeople.com/secrets.asp?tip=40181_create_a_weight_loss_savings_bank_account I opened a holiday club account with my bank. I would spend at the very least, $10 a day on buying breakfast, ordering take out with co-workers and sometimes just buy dinner because I was too exhausted to cook when I got home. Each work day that I did not buy any food (Mon - Fri) I would drop $10 in to the account. Savings vary, but at the end of the year I had around $1600 to reward myself with something really special! It's terrific!<br><br> <em>224</em> Fri, 4 Jan 2013 13:52:00 EST Midnight on Tuesday/Wed morning http://www.sparkpeople.com/secrets.asp?tip=40164_midnight_on_tuesdaywed_morning To get the best of the deals I always stay up late on Tuesday night into Wednesday morning. Why? Because at midnight the new ads are released and you get first shot at the best deals. I then take those ads, cross reference with my coupons and make my list. I make a list for each store I will be going to and paper clip the list to the coupons that way I get what I went for and nothing else. It has saved me alot of money b/c now I don't spend time hunting the stores for what I want. Fri, 4 Jan 2013 00:39:00 EST 52 week Money saving Challange http://www.sparkpeople.com/secrets.asp?tip=40163_52_week_money_saving_challange I recently found this tip and am going to start trying it with 2 savings accounts I have. The way it works is you take the week number and add that $ amount to your savings account. I.E. week 1 {$1.00+$0.00=$1.00}. Week 2 {$2.00+$1.00=$3.00}. Week 3 {$3.00+$3.00=$6.00} and so on. Eventually getting to week 52 where you end up with $1378.00. The more you can save the more you can have. Thu, 3 Jan 2013 23:22:00 EST Senior Discounts http://www.sparkpeople.com/secrets.asp?tip=40137_senior_discounts Don't be shy....ask for the senior discount. It can add up. Age has it's merits! Wed, 2 Jan 2013 06:57:00 EST Stubborn Stains http://www.sparkpeople.com/secrets.asp?tip=40131_stubborn_stains Use shaving cream to remove stubborn stains. Smear it on and leave it for an hour or so, then scrub. My daughters wedding gown was a total mess after the wedding and I didn't think the hem would ever be clean, but I did this and it came out perfect! My son-in-law called me a miracle worker! Tue, 1 Jan 2013 22:04:00 EST Join the Library http://www.sparkpeople.com/secrets.asp?tip=40081_join_the_library How often have you bought a book and started reading only to find out it was not as good as the reviews or the help you needed. Check out books before you buy them at the local library then buy only the ones you think you will want to read again. If you do not live handy to one then maybe an investment in a e-reader is your answer. Because my daughter and I live in different cities we each have a membership in our own cities and share our log-ins so we can download from either library. Sun, 23 Dec 2012 09:04:00 EST vacation http://www.sparkpeople.com/secrets.asp?tip=40058_vacation want my sister to see a different me when i go see the family in january <em>246</em> Sat, 15 Dec 2012 11:01:00 EST Make my own prepackaged foods http://www.sparkpeople.com/secrets.asp?tip=39935_make_my_own_prepackaged_foods I save money and eat healthy by slow cooking large amounts of brown rice or beans and then saving meal sized portions in re-usable freezer and microwave safe containers. I also do this with chicken breast I use for salads and sandwiches and it saves me from buying the salty prepared kind. Thu, 15 Nov 2012 18:41:00 EST Homemade spray and wash http://www.sparkpeople.com/secrets.asp?tip=39926_homemade_spray_and_wash Mix in a spray bottle:<br>1/3 Dawn dish soap<br>1/3 water<br>1/3 ammonia Tue, 13 Nov 2012 20:58:00 EST Too much onion or celery? http://www.sparkpeople.com/secrets.asp?tip=39917_too_much_onion_or_celery Ever have too much onion or celery and end up throwing it away when it goes bad? Chop up what you didn't use, and freeze it to cook with later! Mon, 12 Nov 2012 13:17:00 EST UK savers - refill expensive plug-in air fresheners http://www.sparkpeople.com/secrets.asp?tip=39908_uk_saversrefill_your_expensive_plugin_air_fresheners Instead of buying Gl*de refills for your plug-in air freshener, buy Lidl or Aldi refills and pour it in to the Gl*de container (the wick pulls out and will push back in). ! Sun, 11 Nov 2012 16:40:00 EST Saving money is all about saving money! http://www.sparkpeople.com/secrets.asp?tip=39880_saving_money_is_all_about_saving_money couponing!! <br> <em>334</em> Sun, 4 Nov 2012 23:24:00 EST NO more ziploc bags http://www.sparkpeople.com/secrets.asp?tip=39830_no_more_ziploc_bags Since me, my husband, and our daughter all pack a lunch every day, we were going through a LOT of ziploc bags. I switched to reusable plastic containers; this saves money PLUS keeps needless plastic from going into the landfill. Tue, 30 Oct 2012 00:14:00 EST Divorce your debit card http://www.sparkpeople.com/secrets.asp?tip=39814_divorce_your_debit_card Make a decision to leave your debit card at home. I had a set amount of cash and didn't want to be embarrassed by going over. Bought what I needed and stopped buying extras! Thu, 25 Oct 2012 21:37:00 EST Grocery Delivery! http://www.sparkpeople.com/secrets.asp?tip=39788_grocery_delivery This is completely counter-intuitive, but I'm saving a ton of money by having our groceries delivered by Peapod instead of going to the store. The prices are similar, most sales are the same, and I can still use coupons. But by virtue of me staying out of the store -- zero impulse buying! -- I'm forced to stick to the list. My grocery bill has dropped about 25%. <br><br>A nice little benefit is that I can spend the hour I used to spend in the grocery store RUNNING! Sun, 21 Oct 2012 17:35:00 EST Leave the car at home ! http://www.sparkpeople.com/secrets.asp?tip=39773_leave_the_car_at_home_ -for one year , leave your car at home ! I shared a vehicle with my husband so that any time i NEEDED a car I had it. But day to day i either took the bus, walked, biked, or took the scooter ( 150+ mpg !! ) I had both a job and a gym membership. Every pay day, I put into saving every dollar i WOULD have spent on gas, insurance on that second vehicle, & car payment. I saved alot and lost over 100 lbs. Now that im in a safe town again, I'm going to do it for another year :) Wed, 17 Oct 2012 18:41:00 EST Fels Naptha http://www.sparkpeople.com/secrets.asp?tip=39765_fels_naptha Fels Naptha is the best laundry stain remover I have EVER found and it is dirt cheap! It comes in a bar soap with a white paper wrapper and costs a dollar at Walmart. I have used it to successfully take out makeup, grass stains, and all kinds of other crud. Sun, 14 Oct 2012 21:48:00 EST Reuse shampoo and conditioner http://www.sparkpeople.com/secrets.asp?tip=39704_reuse_shampoo_and_conditioner Have shampoo that just didn't work out? Don't throw it away. It makes great hand soap!<br><br>Conditioner you didn't like? You can use it as shave cream! Sun, 7 Oct 2012 20:37:00 EST Penny a point; Quarter for each 30 minute workout! http://www.sparkpeople.com/secrets.asp?tip=39678_penny_a_point_quarter_for_each_30_minute_workout After tallying up the day's spark points I get out my mason jar and put in the equivalent amount of change (penny per point) into it. Better than a piggy bank - I can watch it add up!<br><br>In another jar I put in a quarter for every 30 minutes of exercise workouts I do in a day.<br><br>The money is adding up. I'm saving the quarters for running shoes. I'm not sure what the other jar's savings will go to. Sun, 7 Oct 2012 07:54:00 EST Start to save money today http://www.sparkpeople.com/secrets.asp?tip=39634_start_to_save_money_today Kill your debit today.<br>Set your saving goals.<br>Establish a time frame.<br>Figure out how much you’ll have to spend per week, per month to reach saving goal.<br>Bay clothes and present in sale.<br>Ask your self do I really need this<br>Open an interest saving account.<br>Don’t get discouraged and don’t give up.<br>Keep record of your expensive.<br>Make a budget. <br>Stop using credit cards.<br>Cut the cost from your bills.<br>Use your talent to earn extra cash.<br><br><br><br><br><br><br>... Fri, 28 Sep 2012 17:47:00 EST Eat for your health http://www.sparkpeople.com/secrets.asp?tip=39608_eat_for_your_health You will never know how many doctor's visits or surgeries, or cancer treatments you avoided, the copays you'll save, the money you'll earn because you can work and bring home a paycheck and maybe even do a little something for your retirement when you will be older, but you will not feel like you are. Sun, 23 Sep 2012 23:08:00 EST Coupon Match-Ups done for you! http://www.sparkpeople.com/secrets.asp?tip=39479_coupon_matchups_done_for_you Every week I go shopping, instead of looking at the ad and trying to match-up all my coupons with items on sale, I use coupon match-up sites. I am a member of probably 10 of them or so but I only subscribe to commonsensewithmoney.com . I get a daily e-mail that has a bunch of great deals and sometimes free things. <br>I have 3-4 magazine subscriptions I have got for free. <br>I also haven't paid full price for ANYTHING since, and that includes gasoline (I use the perks from my local grocery s... Fri, 7 Sep 2012 12:07:00 EST How to spend less money my trick:)) http://www.sparkpeople.com/secrets.asp?tip=39457_how_to_spend_less_money_my_trick I have some secret to share with you about money.I had bad experience and for 5 years I don't have any credit card.Scary right?Well now me and my family are taking all money from bank account and keep at home.Why?Because we have better control.If I go in store to buy bread and fruits(example) I take just 20 dollars.Try and see!!!!! <em>30</em> Good luck! Tue, 4 Sep 2012 01:50:00 EST Electricity Witch. http://www.sparkpeople.com/secrets.asp?tip=39389_electricity_witch Hopefully I don't offend anyone when I say I've become the Electricity Witch. I bought a electric usage meter you plug into the wall sockets to measure all the things we keep plugged in. We no longer keep the DVRS, TVS, Chargers, or ANYTHING plugged in, unless its in use. I've seen a large drop in untilties since. Thu, 23 Aug 2012 16:25:00 EST Every little bit counts! http://www.sparkpeople.com/secrets.asp?tip=39381_every_little_bit_counts I now take my lunch to work and only drink water...Everytime I feel like that coffee or cake that I used to buy at the cafe, I go into my online banking, and transfer the amount that the coffee and cake would cost me, straight into my savings account. You would not believe how much I am saving! Wed, 22 Aug 2012 21:05:00 EST Visit the butcher shop http://www.sparkpeople.com/secrets.asp?tip=39343_visit_the_butcher_shop In the past few weeks, I've learned that the regular prices of meat at my local butcher shop are significantly better than the local supermarket, even on sale. Plus, the butcher shop meat is usually better quality. Depending what's on sale, I might end up getting something new to try which is an added bonus. Fri, 17 Aug 2012 23:06:00 EST Product Research and Price Comparison http://www.sparkpeople.com/secrets.asp?tip=39288_product_research_and_price_comparison Every time we see something of larger monetary value (for my house anything over $20 that's a want) then, we take a pic or a note in our smart phone of that stores price, etc. When I get home I research when I think of it or as I look at ads etc. Generally, I put off even researching it and when we finally remember it we either realize we didn't need or want it, bought it but saved money, or otherwise. It really helps curb impulse purchases. <em>3</em> Sun, 12 Aug 2012 21:00:00 EST Invest to save on clothing http://www.sparkpeople.com/secrets.asp?tip=39285_invest_to_save_on_clothing I invested in a sewing machine, just a cheap basic one, so now I buy all my clothes off the sample racks (you no all the new clothes that have little holes or a broken zip) $2 per garment, take them home and sew them up fixing as required, and i have brand new clothes for $2 a piece!! I get to look awesome all the time now!! And no one is any the wiser :-D Sat, 11 Aug 2012 22:44:00 EST Water Bill saving with each FLUSH http://www.sparkpeople.com/secrets.asp?tip=39261_water_bill_saving_with_each_flush I tried this due to my water being increasingly high these few months. And to my surprise this actually worked. Fill a plastic bottle or 2 with sand cover tightly & place them in your toilet tank. Place them away from the operating mechanism. DONT USE BRICKS they will damage your toilet. The sand bottles add weigh in the tank and "trick" it into thinking it's filled to the top. You will save with EVERY FLUSH. Fri, 10 Aug 2012 12:57:00 EST Saving a little change can change alot http://www.sparkpeople.com/secrets.asp?tip=39228_saving_a_little_change_can_change_alot I saved all of my change for months and at the end of the sixth month I cashed it in to pay off some debt!! Thu, 9 Aug 2012 22:12:00 EST Shopping Online http://www.sparkpeople.com/secrets.asp?tip=39218_shopping_online Altho some say shopping online saves money, you don't get to take advantage of the discounted fresh food. I find some of the best deals and then go home and throw it in the freezer is possible or plan a meal around my find. Thu, 9 Aug 2012 06:14:00 EST Does your teenager take 45 min showers? http://www.sparkpeople.com/secrets.asp?tip=39191_does_your_teenager_take_45_min_showers If you have teenagers, try giving them an incentive to take shorter showers and save on your water bill. A great example is 5 mins added on to their curfew for every minute they shave off their shower time. It works every time. Sat, 4 Aug 2012 19:45:00 EST Lower Electricity bill http://www.sparkpeople.com/secrets.asp?tip=39190_lower_electricity_bill You may not realize that most electric companies charge more for power during the day than at night. You can call and find out if that is the case in your area. If it is, make sure you do all your laundry, dishwashing, internet, and other power intensive tasks at night. You will notice the difference on your bill. <em>30</em> Sat, 4 Aug 2012 19:33:00 EST No need for t.v. http://www.sparkpeople.com/secrets.asp?tip=39169_no_need_for_tv I do not even own a t.v. set. I watch the films and tv programs that I want on line in my laptop. Most of the time there is no advertising, so I get to control how much time i spend in front of the screen , I decide and control when and what I watch. The extra time I can use it for other activities , the Best Part is that is FREE Tue, 31 Jul 2012 19:54:00 EST Saving ur health and ur money .&#9829; http://www.sparkpeople.com/secrets.asp?tip=39116_saving_ur_health_and_ur_money_9829 whenever u feel like u want to eat or drink something that's really bad for ur health ! see how much it's going to costs u and put that on ur money saver :D in this way ur saving ur health and ur money too ^^ u can buy something u really wanted later .&#9829; Fri, 27 Jul 2012 08:38:00 EST Measure it! http://www.sparkpeople.com/secrets.asp?tip=39109_measure_it We buy our portion bags at a dollar store. We then measure portions of cereal, snacks etc as it comes into the house. The Kids now only eat one serving and so do the adults. Fri, 27 Jul 2012 03:50:00 EST More is not better http://www.sparkpeople.com/secrets.asp?tip=39060_more_is_not_better I learned that having more stuff does not mean better, less can be better, more is just more. Wed, 18 Jul 2012 20:32:00 EST shaving http://www.sparkpeople.com/secrets.asp?tip=39058_shaving I use baby oil to shave my legs and it's way better then shaving cream! My legs are so smoothe and there's no fragrance (I'm allergic to everything!) You only need a little and a bottle lasts forever! Wed, 18 Jul 2012 09:50:00 EST Coupons for healthy food : ) http://www.sparkpeople.com/secrets.asp?tip=39014_coupons_for_healthy_food_ Found a great website for saving money on healthy foods . They have numerous coupons to help save money . Just go to www.shopathome.com <em>381</em> Wed, 11 Jul 2012 04:36:00 EST Drop the satellite http://www.sparkpeople.com/secrets.asp?tip=38890_drop_the_satellite My husband lost his job 9 weeks ago. We decided that $120 a month for satellite was out of our budget. We cancelled it and picked up Hulu for $9.00 a month. It has tons of shows (new ones) that air 24 hours after it's on the networks. We love it. We are getting to experience new series, and save TONS of money! Sun, 17 Jun 2012 11:20:00 EST Making Rice http://www.sparkpeople.com/secrets.asp?tip=38863_making_rice Instant rice and microwave rice is expensive! I buy a 2-pound package of regular rice and cook the entire bag on the weekend when I have time. I let it cool and measure it out in sandwich bags, one cup to a bag. Put the baggies into a gallon size freezer bag and voila! I have my own, inexpensive instant rice. Just microwave for one minute and eat! Wed, 13 Jun 2012 20:11:00 EST Take the Bus http://www.sparkpeople.com/secrets.asp?tip=38847_take_the_bus If you have a long way to go, try taking public transportaion. Not only will you save gas money but you will help save the enviornment.. Sun, 10 Jun 2012 15:32:00 EST Plant a Garden http://www.sparkpeople.com/secrets.asp?tip=38820_plant_a_garden I've found hands down the best way to save on groceries is to grow my own. For every dollar I spend on the garden I harvest $5-10 in groceries. And quite frankly food doesn't get any healthier than fresh from the garden, still warm from the sun. It's also a great workout, you can pick up a really nice rototiller for half the price of a gym membership. Win-win-win baby. Tue, 5 Jun 2012 17:11:00 EST Freezing Home cooked meals http://www.sparkpeople.com/secrets.asp?tip=38770_freezing_home_cooked_meals I often cook casseroles, or make rice salads etc, in bulk then freeze in old 500g spread cartons. They stack nicely in the freezer and one carton holds the equivalent of one protein portion, one carb, plus two portions of veg including juices from a stew etc. This cuts down on cooking costs, washing up, and food wastage.It means that if, like me you live alone, you can store a variety of different recipes and have a meal available at a few minutes notice, courtesy of re-heating in a microwave... Mon, 28 May 2012 12:21:00 EST Going Bananas http://www.sparkpeople.com/secrets.asp?tip=38746_going_bananas When bananas are on sale or on the reduced produce shelf....I buy them! Peel them, cut them into smaller chunks and freeze....perfect for smoothies. <br><br>Use half of a mashed ripe banana to replace an egg in recipes like muffins...as long as you don't mind a little banana taste (use a little baking powder).<br><br>I have also used banana to replace oil in certain recipes...like you use applesauce. Go Bananas!!. <em>148</em> Fri, 25 May 2012 14:27:00 EST ALDI'S http://www.sparkpeople.com/secrets.asp?tip=38743_aldis Go to the market store Aldi's they have everything for half the price of Walmart and healthier foods as well. I can get a carton of eggs for 76 cents and bag of apples for less than 2.00 dollars. I save 50.00 or more a month going there!! Check it out! Thu, 24 May 2012 21:57:00 EST Easy Portion Control & Money Saver http://www.sparkpeople.com/secrets.asp?tip=38685_tip_easy_portion_control Even with the healthier whole grain Crackers, Chips, Pretzels...every good intention of sticking with the recommended serving size becomes defeat if the box is within sight. SO, I decided to count out the serving size into little baggies...now I have the right amount each time no guesswork after the meal...guilt free! Slows down my eating because what you see is what you get. Saves money buying bulk instead of individual packages and baggies can be used more than once. <em>148</em> Fri, 11 May 2012 08:51:00 EST Ladies Razors http://www.sparkpeople.com/secrets.asp?tip=38672_ladies_razors I keep my razor in a cup of oil (blades down). The oil keeps the blade from oxidizing as a result the blades last 3 times longer. Wed, 9 May 2012 20:50:00 EST Make money by weight loss! http://www.sparkpeople.com/secrets.asp?tip=38661_make_money_by_weight_loss Don't forget to itemize your donated clothes. Since I have began loosing weight I found I had many outfits that do not fit. I am getting rid of them. In the past I just stored them not realizing I was putting out to the Universe "I will be fat again." ...This time the ones that were large were donated even the nice stuff. In addition, I got rid of many of the baggy, comfy ones. Now, when I do my taxes next year the deduction will be nice! Tue, 8 May 2012 16:41:00 EST Pretend you didn't get a raise http://www.sparkpeople.com/secrets.asp?tip=38575_pretend_you_didnt_get_a_raise If you are getting a raise increase your 401(K) contribution at the same time. You won't miss the extra money going into your 401(k) because you didn't have it before. Do this every time you get a raise and before you know it you'll be maxing out your 401(k). If you don't have a 401(k) or are already maxed out take the raise and put it into savings. Fri, 4 May 2012 08:20:00 EST SPREAD SHEET http://www.sparkpeople.com/secrets.asp?tip=38533_spread_sheet I made a budget on a spreadsheet to track all of my expenses and revenues. The formulas show all transactions on the account and show the bottom dollar at the end of each month. Once I see how much I can have left if I don't spend, it encourages me to only spend what I need. I can see months later how much I will have if I stay on track. <em>243</em> Thu, 26 Apr 2012 07:00:00 EST I go salvage http://www.sparkpeople.com/secrets.asp?tip=38527_i_go_salvage I buy at our savage stores. We have some good ones. <br><br>At christmas our family decided only $10 per person and for kids and all, I payed no more than $5 ea. and they loved their gifts and they were brand new! Tue, 24 Apr 2012 22:33:00 EST Make your own soaps....all natural! http://www.sparkpeople.com/secrets.asp?tip=38521_make_your_own_soapsall_natural Find your nearest craft store & purchase Soap Base. The cost is around $9.99 lb. Different types, goats milk, olive oil, Shea butter, coconut oil, etc. Purchase a plastic soap mold at $1.99. Melt four squares & add any spice you would like; cinnamon, coffee, lemon juice, cayenne, etc. Get creative & look up the benefits to each spice before adding. Coffee soap is great for wrinkles, cellulite, stretch marks. Cinnamon is good for circulation, acne, blood pressure. Let stand in mold for 1 hour! Tue, 24 Apr 2012 12:46:00 EST Extending Sales at the Supermarket http://www.sparkpeople.com/secrets.asp?tip=38452_extending_sales_at_the_supermarket Shop late on the last day of the sale week, when sale items are likely to be in short supply. Buy all remaining packages of what you want, then go to customer service and get a raincheck., so you can buy again when the item is NOT on sale. Also, late in the day, you are more likely to find distressed packages which are - or can be - marked way down. I can get as much as 80-85% OFF by ASKING for it. They'd be throwing the package away within hours! Fri, 13 Apr 2012 12:08:00 EST Keep lettuce fresh longer http://www.sparkpeople.com/secrets.asp?tip=38430_keep_lettuce_fresh_longer I buy romain lettuce in bulk from a warehouse club and keep it fresh by putting the heads in zippered plastic bags (unwashed) with a couple of paper towels. The paper towels absorb the moisture and the lettuce stays fresh for up to 2 weeks. This also works for other veggies and salad greens like spinach. Wed, 11 Apr 2012 12:04:00 EST Use your credit card!! http://www.sparkpeople.com/secrets.asp?tip=38419_use_your_credit_card I see everyone saying use cash however we do just the opposite. We use our M&T Bank rewards card for every purchase we can including groceries, dinners out, gas, tuition and vacations. We then subtract it from our checkbook as if we have used a debit card and then pay off that credit card at the end of each month. You don't pay interest as long as you pay by the due date and you earn points that you can trade in for gift cards etc. You do have to be disciplined to use this method!! Tue, 10 Apr 2012 10:23:00 EST Gardening Gloves/Workout (gym) Gloves http://www.sparkpeople.com/secrets.asp?tip=38401_gardening_glovesworkout_gym_gloves When your gardening gloves wear out, don't throw them away, cut the tops of each finger off and use them for workout(gym) gloves. <em>324</em> <em>231</em> <em>315</em> Thu, 5 Apr 2012 21:03:00 EST Shampoo http://www.sparkpeople.com/secrets.asp?tip=38395_shampoo I have a lot of shampoo. I decided to pay attention to the brand, what it does for my hair. I am getting rid of the clutter and only buying what works and limiting the trail and error of so many products. <em>250</em> Wed, 4 Apr 2012 21:40:00 EST Push it Around http://www.sparkpeople.com/secrets.asp?tip=38359_push_it_around I put it in my cart and push it around when I'm ready to go I'm tired of pushing it around and i do not want to bring it home <em>334</em> Sat, 31 Mar 2012 08:10:00 EST shopper app http://www.sparkpeople.com/secrets.asp?tip=38357_shpper_app Today I almost purchased a washer/dryer that we need from a close out, looked like a good deal...<br>then I scanned the bar code and found out it was more than the other local stores at regular price. <br><br> <em>40</em> <br><br>I am now going to use it for any amazing deal I find just in case it is not really amazing, even if it is on our list to purchase soon!!! <em>189</em> Fri, 30 Mar 2012 21:11:00 EST Try Groupon or Local Deals http://www.sparkpeople.com/secrets.asp?tip=38335_try_groupon_or_local_deals I use groupon and a few other discount vendors, such as living social, deal chicken, deal find. these are a just few of the local ones, It is amazing what good deals you will find on these sites for all types of services from car repairs to dinning. Savings is usually about 50% or more. i check them everyday. Wed, 28 Mar 2012 17:55:00 EST Pack a Lunch http://www.sparkpeople.com/secrets.asp?tip=38334_pack_a_lunch I pack my lunch almost everyday. 1. it really helps me to control the calories instead of just grabbing anything that might be available when I get hungry 2. it's a good use for leftovers 3. SAVES lots of $$. tastes better than fast food. <em>4</em> Wed, 28 Mar 2012 17:48:00 EST Stop Bad Habbits :) http://www.sparkpeople.com/secrets.asp?tip=38329_stop_bad_habbits_ QUIT SMOKING, QUIT BUYING WASTE :) Instead of smoking quit cold turkey, take it one day at a time.... It is working for me, second, instead of purchasing name brand foods (shelf) and purchase the store brand.... if your read the back of the item you will see a lot of the products are made by the same company as the name brand or they have the exact same ingredient's. Wed, 28 Mar 2012 07:22:00 EST Tip for Free gym membership and making money!!!! http://www.sparkpeople.com/secrets.asp?tip=38215_tip_for_free_gym_membership_and_making_money One thing I do to save money is to get a part time job at a gym in town. I was on swim teams as a kid and can teach swim lessons once a week and get paid for it! As well as get a free membership to the place I work! Most gyms offer discounted or free classes for employees and some even have health programs for them as well! It's a great way for me to save money and earn some as well! Plus it makes sure I'm going to the gym!! Mon, 12 Mar 2012 19:10:00 EST pay it off http://www.sparkpeople.com/secrets.asp?tip=38209_pay_it_off i have been paying on a student loan, and had been deferred for medical reasons for quite awhile, recently i decided just to jump in and start paying it, and i have been keeping a money log of all the unnecessary spending, so far from 2/24, i have spent nearly 300 on eating out, renting movies, coffee, newspapers and other needless items<br>so next month, i am paying the equivilent of what i spent needlessly on my loan!!! Mon, 12 Mar 2012 08:59:00 EST Keep Separate Bank Accounts http://www.sparkpeople.com/secrets.asp?tip=38166_keep_separate_bank_accounts The easiest way to save money for me is to keep two separate bank accounts - one for all of my normal monthly bills (rent, mortgage, utilities, cable, etc) and one for the "rest". Have your work do separate direct deposits into those accounts. Figure out the most you will spend in any given month and use that for the amount into your bills' account. Anything under budget that month, put into a savings account. Some months will have nothing extra but some months will be a few hundred! Wed, 7 Mar 2012 15:59:00 EST STAY FRESH! Things You Can Refrigerate To Stay Fresh Longer http://www.sparkpeople.com/secrets.asp?tip=38152_stay_fresh_things_you_can_refrigerate_to_stay_fresh_longer Pasta, flour, sugar, flaxseeds, cookies, crackers, cereal, cornmeal, oatmeal, onions, potatoes, granola bars, pine nuts, walnuts, almonds, chips, prunes, raisins, chocolates, pinenuts and other nuts, bread sticks, bread, rice, beans, stuffing mix, barley, kasha, quinoa, lentils, apples. If you have a suggestion, please post. Tue, 6 Mar 2012 12:48:00 EST Things You Can Freeze~Save Money http://www.sparkpeople.com/secrets.asp?tip=38149_things_you_can_freezesave_money Cheese: Mozerella,muenster, provolone, Swiss, cheddar and Parmesan.<br>Milk into small containers for cereal. Shake well before using.<br>Freeze the zest of oranges, lemons and limes.<br>Tomato paste and left over tomatoes.<br>Cookies, nuts, fresh herbs, breads, leftovers for soups, celery, candy, butter, green, red or yellow peppers, flour, sugar, yogurt, berries, sliced bananas, chips, crackers, berries of all kinds, fat free balogna, spices<br> Tue, 6 Mar 2012 12:12:00 EST The Library Is Your Friend! http://www.sparkpeople.com/secrets.asp?tip=38146_the_library_is_your_friend The other day I was in the library (I go there a lot for books, movies, and free WiFi), and I realized--Hey, they have workout DVDs I can check out for free here! So, I checked out "Bollywood Burn" and went home and tried it. It was fun and free! I know I'm not the only one who craves variety, and utilizing your local library is a great way to keep your workout fresh and exciting for free! I can't wait to try more! <em>244</em> Tue, 6 Mar 2012 10:38:00 EST Shop at Aldi http://www.sparkpeople.com/secrets.asp?tip=38145_shop_at_aldi I have started to shop at Aldi. Fruits and Vegies are soooo much cheaper than the regular grocery store. We love their brand yogurt, cheese, some cerial and their fresh meat is reall good. They have a fit & active brand of low calorie / healthy goods.<br><br><br><br> Tue, 6 Mar 2012 08:17:00 EST on-line shopping http://www.sparkpeople.com/secrets.asp?tip=38091_online_shopping I do a lot of shopping online and have my favorite discount web sites, smartbargains is one of my favorite, when you sign up they will send email on even bigger discounts. I have a nightly beach rental so this is the only place I buy my bedding and towels. <br>BUT my biggest tip would be to use "ebates" its a free site with hundreds of stores to choose from. Free to sign up, then when your shopping go to their site first, click the store you want and when you make a purchase you get cash ba... Tue, 28 Feb 2012 11:02:00 EST shave cream savings http://www.sparkpeople.com/secrets.asp?tip=38090_shave_cream_savings By accident I discovered that hair conditioner makes the best shave cream! You can find hair conditioner on sale all the time and don't forget to check the mark down bins. It lets your razor slide so easily over your legs, and seems to keep them much softer. I like it better than shave cream or gels Tue, 28 Feb 2012 10:46:00 EST The reduced price produce is fine with me http://www.sparkpeople.com/secrets.asp?tip=38064_the_reduced_price_produce_is_fine_with_me There's usually a reduced-price cart in the produce section of the market. The store puts vegetables on it that are close to the sale date, or have a blemish or two. It's a good way to save some money on vegetables. Sun, 26 Feb 2012 09:25:00 EST Be Honest with Yourself when Categorizing Spending http://www.sparkpeople.com/secrets.asp?tip=37896_be_honest_with_yourself_when_categorizing_spending When figuring out where your money is being spent, be very wary of tricks used to "lie" to yourself. For example, do not get cash back when using a debit card at a grocery store - then track it as "Food". Sat, 11 Feb 2012 03:31:00 EST How to save for retirement http://www.sparkpeople.com/secrets.asp?tip=37895_how_to_save_for_retirement Pay your self 10% out of every check and also tithe to your local church. Retirement will come easy. <em>205</em> Fri, 10 Feb 2012 20:49:00 EST Save A Few Bucks! http://www.sparkpeople.com/secrets.asp?tip=37864_save_a_few_bucks Choose products from the top or bottom shelves in the grocery store as the ones that are eye level are usually more expensive. Make Stir-fries with thin slices of meat. Add Brown Rice mixed with a veggie to your meal. Make homemade soup. Buy sale produce, use coupons, take advantage of 2 for 1's. Don't waste leftovers. Checkout dollar stores, I get my wheat bread at Dollar Tree, hot dog buns, hamburger buns & save about $6, and buy Del Monte Spaghetti Sauce for $1 & I doctor it with spices... Tue, 7 Feb 2012 09:02:00 EST Shop like a guy http://www.sparkpeople.com/secrets.asp?tip=37854_shop_like_a_guy Some women look at shopping like an adventure. It's a chance to possibly find a beautiful dress or a perfect gift to have on hand just in case. Looking is at least as important as what is purchased. This, however can lead to unexpected purchases.<br><br>Many guys, on the other hand, look at shopping like a military mission. Get in, accomplish the goal, and get out. This mindset minimizes expenses and time. You'll be surprised at the difference an alternate point of view can make. Mon, 6 Feb 2012 11:43:00 EST Stretch Your Food Budget http://www.sparkpeople.com/secrets.asp?tip=37832_stretch_your_food_budget Buy groceries with cash, which force you to think ahead & stay within your budget. Chop onions & other vegetables, slice cheese, clean lettuce for salads & sandwiches. Stretch ground meat by mixing it with whole grain bread, brown rice, oatmeal or grated vegetables like carrots or onions. Two chicken legs make a good soup with other veggies. Mix Brown Rice with Sale veggies for sides or make brown rice & beans which is a complete protein. Tuna, noodles & peas with mayo, egg salad, or bean sal... Sat, 4 Feb 2012 08:16:00 EST The Coffee Mug http://www.sparkpeople.com/secrets.asp?tip=37786_the_coffee_mug Put out a huge coffee mug on your counter and every time you want to go out to buy that special cup of coffee, put your money in the mug instead. Either you could save your coffee mug money for an awesome coffee maker or put it in the bank for some healthy groceries or activity. You would be amazed to see how much you save up! <em>211</em> Tue, 31 Jan 2012 11:41:00 EST NO FAST FOOD http://www.sparkpeople.com/secrets.asp?tip=37680_no_fast_food I use mint.com to track everything and budget. When I saw how much I had spent on fast food, I knew I had to change my family's lifestyle. So by not stopping at Micky D's in morning or Taco bell in the evening, I use that money to purchase healthier food items at the supermarket. Save money and eat healthy. Yeah! <em>244</em> Mon, 23 Jan 2012 05:16:00 EST It's easier than it sounds http://www.sparkpeople.com/secrets.asp?tip=37597_its_easier_than_it_sounds I used to not be able to save money at all......what helped me so much was DAVE RAMSEY!!!! He has helped me to stay focus and be able to save money. So starting the health kick is so much easier when you are on a budget. Mon, 16 Jan 2012 20:25:00 EST Spark up your limp celery ! http://www.sparkpeople.com/secrets.asp?tip=37535_spark_up_your_limp_celery_ Celery has become my night time tv-watching snack so when it get a little old and limp I cut it up and stick it in a container filled with cold water. A few hours later it's juicy , crunchy, delicious and firm again ! Fri, 13 Jan 2012 16:53:00 EST locker fees http://www.sparkpeople.com/secrets.asp?tip=37533_locker_fees the lockers at the leisure centre cost 20p to lock. I put my clothes in an empty one and don't lock it because I have no valuables with me. I walk there so no car keys, wear my watch and who cares if my shampoo goes missing! It saves me almost a pound a week Fri, 13 Jan 2012 14:02:00 EST Bi-Weekly Savings http://www.sparkpeople.com/secrets.asp?tip=37506_biweekly_savings I am new to living on my own, and I found a wonderful way to start off savings when starting from nothing. When I get my bi-weekly pay check- I set up an excel sheet and put my checking accounts balance and deduct all the bills I have to pay and amounts I am taking away for large bills. With the remaining balance I divide it by two and this number gives me my budget per week. Anything not spent does not role over into my next weeks budget; instead it rolls over into my saving account! <em>13... Wed, 11 Jan 2012 21:57:00 EST Always live well within your means. http://www.sparkpeople.com/secrets.asp?tip=37484_always_live_well_within_your_means Pay cash whenever possible, buy a smaller house or live in a lesser neighborhood than what you could potentially afford. Never, ever, buy something based on future earnings increases. (I can make that payment because I'll get a raise or will work some overtime). Drive your car till the wheels fall off - it's fun! Eat lunch at the sample carts at Sam's Club. Be a good steward. Once you get the hang of frugality it can be a blast <em>334</em> Tue, 10 Jan 2012 19:01:00 EST Children Consignment shops http://www.sparkpeople.com/secrets.asp?tip=37479_children_consignment_shops If you have small children you can take their clothes, toys , furniture, books, etc to a Once upon A Child consignment shops. You can sell them get cash on the spot or even trade to get gently used quality items. You can google to see if their is a location in your state we have several here in Virginia good luck I have not had to buy my 6 yr old a pair of new sneakers or shoes in almost a year I love this place not only am I saving money but getting good quality items. Tue, 10 Jan 2012 12:10:00 EST Freecycling http://www.sparkpeople.com/secrets.asp?tip=37414_freecycling If you have or create a yahoo email account, from the main homepage under the 'Groups' you can search for "Freecycle" and a group should come up in your area. If you join, it's a community of people who are willing to donate their belongings to others rather than throwing it away (saving a trip to landfills) and in return, you do the same. Thu, 5 Jan 2012 22:55:00 EST Home Improvements for less http://www.sparkpeople.com/secrets.asp?tip=37411_home_improvements_for_less I bought a house in June and have saved so much money on supplies by frequenting three internet sites. Thu, 5 Jan 2012 13:15:00 EST Yogurt on fruits & Crackers instead of empty calorie fruit dips http://www.sparkpeople.com/secrets.asp?tip=37403_yogurt_on_fruits_crackers_instead_of_empty_calorie_fruit_dips So i stopped buying expensive fruit dips and cheeses for my crackers and fruits. I wait for great sales on healthy yogurts like Chobani (10 for 10 at Shoprite), Greek, or Oikos and I use them as my dips. Try Chobani on honey graham crackers when you so badly want that snack and its yummmy!! If you prefer plain yogurts for your fruits awesome coz this saves some extra calories. I know some Yogurts are cheaper but its at the expense of your waistline due to the amount of sugar and carbs. Thu, 5 Jan 2012 03:49:00 EST child's piggy bank savings http://www.sparkpeople.com/secrets.asp?tip=37382_childs_piggy_bank_savings In October I started to save the change I get and put it in my childs piggy bank. Great way to start saving for them. So far we have over 200 dollars in just change. Now they like to contribute as well. Fun way to save money!! <em>224</em> Wed, 4 Jan 2012 15:44:00 EST Moisturizing Face Scrub http://www.sparkpeople.com/secrets.asp?tip=37371_moisturizing_face_scrub I get very dry, flaky skin in winter and no amount of fancy washes or moisturizer helps! I mixed a bit of olive oil with a bit of sugar, enough of each to make a paste. Rub it into your skin, especially on dry areas, and rinse with a warm water. Using a face cloth makes sure you get all of the oil off.<br>Follow with a good moisturizer. Wed, 4 Jan 2012 12:02:00 EST garden/canning to loose weight/save money http://www.sparkpeople.com/secrets.asp?tip=37362_gardencanning_to_loose_weightsave_money Sounds old, but what I didn't know was the money saved and MEMORIES made. Plus no preservatives added salt/sugar. We aren't eating fast food like we did, my grandson (8) cooks more than I did when I got married. lol. We spend TIME gardening,cooking,canning and not money for our entertainment. FYI there is research showing a reduction in ADHD when kids spend time outdoors. A rally planned this April called "GO" meaning Go Outside. Its a win/win reduce weight/increase cash flow <em>10... Wed, 4 Jan 2012 10:54:00 EST No more daily trips to Starbucks http://www.sparkpeople.com/secrets.asp?tip=37263_no_more_daily_trips_to_starbucks I had an expensive morning latte habit that was breaking the bank so I researched good espresso makers online and found a pump style Delonghi machine for about $90 on Amazon, and then I buy Italian espresso in bulk cans from there too. Savings added up fast ! Thu, 29 Dec 2011 02:02:00 EST Pay Yourself First http://www.sparkpeople.com/secrets.asp?tip=37244_pay_yourself_firts Always pay yourself first by having savings automatically taken from you check and deposited to a savings or retirement account. Sat, 24 Dec 2011 09:46:00 EST Medicine Bottles for Storing Change http://www.sparkpeople.com/secrets.asp?tip=37236_medicine_bottles_for_storing_change Empty medicine bottles are great for storing change. A typical small bottle will hold $10 in quarters. Those are great to have on hand for parking meters, the laundrymat or for tolls on a trip.<br><br>When hubby empties his pockets at night I also have designated bottles for nickles and dimes. Fri, 23 Dec 2011 07:41:00 EST Change Jar http://www.sparkpeople.com/secrets.asp?tip=37210_change_jar Keep a change jar and when you spend cash get the change back and put it in the jar. Never use change to pay with stuff. Sooner than you'd think you have 10, 20 or even $50 in just a few weeks. Mon, 19 Dec 2011 03:07:00 EST Moving for Cash! http://www.sparkpeople.com/secrets.asp?tip=37197_moving_for_cash I lost 10lbs selling Mary Kay and made over 600$ my first month...so what i did was walked around My neighborhood distributing flyer's and events..Women seen me in my workout gear! a face full of makeup..that wasn't running or leaking even though i had walked for 2 miles already..if you want to try and sell mary kay email me. acarter913@marykay.com Fri, 16 Dec 2011 15:02:00 EST Cheap Foods That Won't Bust The Budget http://www.sparkpeople.com/secrets.asp?tip=37160_cheap_foods_that_wont_bust_the_budget Eggs, beans, canned tuna, seasonal veggies & fruits, oatmeal, grilled tomatoes, lentils, Kasha, Barley, Brown Rice, green beans, cucumbers, carrots, sweet potatoes, radishes, celery, brown rice, stuffing, a bag (9 ounces) of washed spinach leaves sells for about $1.99. Burrito's about 140 calories or the vegetarian type &sometimes 2 for $1. Cottage Cheese, whole chickens for roasts, soup or salads. Cabbage for coleslae, soup, stir fry.frozen corn, sweet potatoes.Please list your cheap food. Sun, 11 Dec 2011 10:33:00 EST Dollar Tree Bargains To Help Your Budget http://www.sparkpeople.com/secrets.asp?tip=37158_dollar_tree_bargains_to_help_your_budget Some Dollar Tree stores now carry food. I buy Natures Own Wheat bread, hambuger and hot dog buns for $1. Other $1 items are 8~eggs, boxed milk, 12~tacos, canned tuna, canned chicken, American Cheese. There are lots of goodies. Just read the labels for the fat & sugar content as some are high. I buy most canned foods like asparagus, kidney and chili beans, sauerkraut, diced tomatoes at Walmart for 67 cents, Great Value which are low in sodium & sugar.They have peas, green beans, etc. Sun, 11 Dec 2011 09:20:00 EST Who doesn't want to save money? http://www.sparkpeople.com/secrets.asp?tip=37155_who_doesnt_want_to_save_money I'm sure you've seen all those dollar stores that seem to have sprung up everywhere! Well, guess what? They really DO save you money. If you are a sharp shopper, you can find many wonderful bargains at dollar stores. Bags of chips for a party - $1. Brand name over the counter medicines - $1. Fun gifts for a child - $1. Candles to decorate your house - $1. Holiday items - $1. Don't miss out on these wonderful savings Sun, 11 Dec 2011 08:21:00 EST Save On Expensive Wrinkle Cream http://www.sparkpeople.com/secrets.asp?tip=37111_save_on_expensive_wrinkle_cream Saturate your hands first by using a good lotion on your hands before applying your top of the line high dollar anti-aging wrinkle creams and serums. Your hands won't soak up the product intended for your face and you'll begin to notice a little goes a long way. Tue, 6 Dec 2011 03:30:00 EST Create a pantry http://www.sparkpeople.com/secrets.asp?tip=37073_create_a_pantry When we built onto our current home, I insisted on a walk-in pantry. I stock up on sale items and store them by purchase date. Coffee, for example, is said to be going to cost more soon, so I bought 6 bags of our favorite brand today. We'll use that much in 3 months. Get it while it's still "cheap". When I didn't have a pantry, I created one out of a large donated pie safe. A neighbor had shelves built in behind her staircase. Stock up now! Wed, 30 Nov 2011 14:58:00 EST Thrift store shopping http://www.sparkpeople.com/secrets.asp?tip=37061_thrift_store_shopping it can help you save a lot of money! i have a blog dedicated to it, niftythriftygoodwill.wordpress.com check it out! Tue, 29 Nov 2011 22:57:00 EST Is it a Need or a Want http://www.sparkpeople.com/secrets.asp?tip=37036_is_it_a_need_or_a_want When shopping for clothing, shoes, car, etc........etc....... Always ask yourself if it's a need or a want. Believe me it does work. In 2009 I was displaced from job and everytime I went into a store that was the question I continue to ask myself. Now it's 2011 and I don't waste the money that I use to buying unncessary things that eventually I was going to give alway. No more wasting money and in 2011 I still ask myself if it's a need or want!!!! Sat, 26 Nov 2011 19:38:00 EST OnLine Walmart Shopping http://www.sparkpeople.com/secrets.asp?tip=37002_online_walmart_shopping Walmart has daily specials online and free samples. Many items have free shipping. Check it out~ Sun, 20 Nov 2011 16:11:00 EST Free Shipping For Xmas Presents http://www.sparkpeople.com/secrets.asp?tip=37001_free_shipping_for_xmas_presents Friday, December 16, 2011 is free shipping day for many stores. 2,000 pARTICIPATING MERCHANTS see www.freeshippingday.com<br><br><br> Sun, 20 Nov 2011 16:01:00 EST Miscellaneous Fund http://www.sparkpeople.com/secrets.asp?tip=36938_miscellaneous_fund I have found this method to work for saving money: get envelopes and label them with your bills you pay monthly (ie mortgage, light bill, water bill, etc.) and label one envelope Miscellaneous. Each month put the amount you owe on the bill plus $10 in the envelope. Pay the miscellaneous envelope $20. Once you pay all your bills, move the money from the other envelopes to the miscellaneous envelope and watch your money build up! Sun, 13 Nov 2011 00:14:00 EST List Making http://www.sparkpeople.com/secrets.asp?tip=36867_list_making Before hitting up Walmart - or wherever you go to stock your home of daily needs- do a household inventory. This prevents both over buying and under buying. Sun, 6 Nov 2011 12:27:00 EST Fed up with bank fees? http://www.sparkpeople.com/secrets.asp?tip=36854_fed_up_with_bank_fees Check out this CNN Money article about "7 banks that are still awesome":<br>http://money.cnn.com/gallerie<BR>s/2011/pf/1110/gallery.best_banks_chec<BR>king/index.html?iid=EL<br><br>Not every one of them will be good for a particular individual, but many offer no ATM fees (or reimburse you for the fees), pay interest on checking accounts, offer higher than average yields on savings, etc. <br><br>Read the summary for each bank and then I suggest you call or go online for more details. Fri, 4 Nov 2011 19:35:00 EST Plan for the week http://www.sparkpeople.com/secrets.asp?tip=36853_plan_for_the_week I plan my dinners for the week and buy only those items plus a few extras and try to cook in bulk over the weekend and on a Wednesday. This saves time and money for grocery shopping. Fri, 4 Nov 2011 17:51:00 EST Control Your Budget http://www.sparkpeople.com/secrets.asp?tip=36849_control_your_budget Know clearly what you "need"; get rid of what you "want". <br> Fri, 4 Nov 2011 10:05:00 EST Money = Freedom http://www.sparkpeople.com/secrets.asp?tip=36841_money_freedom When you have money, you have options. Being broke rids you of those options. <br><br>SAVE SAVE SAVE <em>52</em> Thu, 3 Nov 2011 08:20:00 EST clever little trick... http://www.sparkpeople.com/secrets.asp?tip=36831_clever_little_trick here is a clever way to save on little things that i do!!!!<br>i became an avon agent and sell things in this small village on my almost no spare time.<br>so i know the specials before everyone else ,,, and i get them on discount<br>well a shampoo that costs 1 euro in book for me is 0.74 cents<br>after collecting orders i sit down and caculate.... and see what i made...<br>then i shop some of it on avons specials....<br>so it is really costing me nothing... <br><br> Wed, 2 Nov 2011 07:33:00 EST pack a lunch http://www.sparkpeople.com/secrets.asp?tip=36796_pack_a_lunch by packing my lunch for work the night before I get the correct portions and save lots of extra money at least 20 dollars a week Sat, 29 Oct 2011 12:49:00 EST Buy the Big Salsa- Save money-Use for Chili, Too http://www.sparkpeople.com/secrets.asp?tip=36776_buy_the_big_salsa_save_moneyuse_for_chili_too We talk about buying things in bulk, but sometimes hesitate when there is just one in the house. Even though salsa is a GREAT condiment to use/ low cal and adds great taste, sometimes I don't use it fast enough. I CAN put it in my chili or soup to add punch and a bit of FRESH, too so there is no waste. Thu, 27 Oct 2011 20:27:00 EST Deduct a Reserve http://www.sparkpeople.com/secrets.asp?tip=36760_deduct_a_reserve_in_your_checkbook Save, don't suffer! Deduct $25, $50, $100, or whatever you can afford, and place it aside each pay day. No scrimping last minute for that special occasion gift, holiday gifts, pay a dentist bill, insurance bill, or make an extra credit card payment. Savings mount up quickly. Wed, 26 Oct 2011 12:52:00 EST Eat before you shop! http://www.sparkpeople.com/secrets.asp?tip=36749_eat_before_you_shop I have always found in order to save and buy healthier is to EAT BEFORE I SHOP! Otherwise I come home with JUNK! Tue, 25 Oct 2011 08:57:00 EST Using the remaining portion of candles after the wick is burned http://www.sparkpeople.com/secrets.asp?tip=36690_using_the_remaining_portion_of_candles_after_the_wick_is_burned I have a candle warmer, $5 from Walmart. I use the old candles without wicks by cutting them into pieces and placing them in a container, if they are not in one already, and warming them. Wed, 19 Oct 2011 08:28:00 EST Extend Amazon Prime (Amazon Mom) by Making these NON-baby purchases! http://www.sparkpeople.com/secrets.asp?tip=36666_extend_amazon_prime_amazon_mom_by_making_these_nonbaby_purchases Many moms know that by joining Amazon Mom, they can get FREE Amazon Prime shipping for up to a year--provided they purchase $25/month worth of qualifying baby-related purchases. But not many people know that many NON-BABY items also qualify--there's a list of these items here on the NindoMom website. Sat, 15 Oct 2011 21:26:00 EST I dont use credit cards, I pay for things with cash. http://www.sparkpeople.com/secrets.asp?tip=36657_i_dont_use_credit_cards_i_pay_for_things_with_cash I save and purchase everything with cash. I own everything I have which lets me sleep at night because I'm not stressed worring how I'm going to meet my payments when due. You also save alot by not paying those interest rates ! Fri, 14 Oct 2011 21:06:00 EST The importance of cash http://www.sparkpeople.com/secrets.asp?tip=36639_the_importance_of_cash "When you live on cash, you understand the limits of the world around which you navigate each day. Credit leads into a desert with invisible boundaries." -Anton Chekhov (Russian author and playwright, 1860-1904) Wed, 12 Oct 2011 23:24:00 EST Shop at Thrift Stores http://www.sparkpeople.com/secrets.asp?tip=36615_shop_at_thrift_stores It can be a little overwhelming, but you can save so much money by shopping at them. I saved about $700 on clothing this summer by thrifting. I also have a blog where I post all my finds etc. Feel free to check it out!<br>niftythriftygoodwill.wordpress.com Mon, 10 Oct 2011 17:39:00 EST Use a clothes line http://www.sparkpeople.com/secrets.asp?tip=36594_use_a_clothes_line I've gone back to the old fashioned method of drying laundry.<br>I use an umbrella clothes line and clothes pins. This doesn't work for everyone who doesn't live in warm climates but even if you switch to it only when weather permits it will help.<br>Also it saves energy and is good for the environment! Sun, 9 Oct 2011 03:51:00 EST Food & Finances are Intertwined http://www.sparkpeople.com/secrets.asp?tip=36537_food_finances_are_intertwined Food lessons are often financial lessons, too. People who consume too much food often consume too much money. Or, in my own words, getting fat is like maxing out a credit card Sat, 1 Oct 2011 16:08:00 EST saving money http://www.sparkpeople.com/secrets.asp?tip=36486_saving_money I find the best way to save money on clothes is too look at your clothes and decide what you need and make sure you make a list before you go , so you only get what is on the list. Tue, 27 Sep 2011 15:03:00 EST I swap clothes online! http://www.sparkpeople.com/secrets.asp?tip=36482_i_swap_clothes_online I swap clothes on swapstyle.com <br>I have been a member there for about 6 years now, and have saved hundreds if not thousands, would love to start swapping with sparks members, so let me know if you want my swapstyle user name :) <em>250</em> Tue, 27 Sep 2011 10:54:00 EST Make your own expensive drinks http://www.sparkpeople.com/secrets.asp?tip=36449_make_your_own_expensive_drinks I love starbucks hot cocoa but it cost over $3 for a grande so I looked up the recipe online. Go figure it is so simple and basically the hershey cocoa recipe. I can use the milk I want and add less sugar to also cut down on calories...two birds one stone...Now I've realized I can do this with anything and dont need to spend money everyday. Thu, 22 Sep 2011 13:01:00 EST Clean your filters, change ur thermostat http://www.sparkpeople.com/secrets.asp?tip=36448_clean_your_filters_change_ur_thermostat My hubby is a heating and air conditioning sales manager (technician for almost 20 yrs) and he has taught me that cleaning your filters can keep your system running more efficiently and its something anyone can do. Also your if you cant afford to update to a more efficient heating/air system then change your thermostat to a more efficient one that has a timer to use less when you're not at home or in bed. Thu, 22 Sep 2011 12:57:00 EST Freezing eggs, guacamole, and more from bulk (ice cube trays) http://www.sparkpeople.com/secrets.asp?tip=36417_freezing_eggs_guacamole_and_more_from_bulk_ice_cube_trays Tired of seeing your bulk-purchased goods go to waste before you use them? You can freeze more than you realize! Just take a clean ice cube tray and place your ingredients inside, then freeze until firm; then place cubes in a zippered bag until ready to use. I have used this for raw eggs (scramble one per cube; use for baking when thawed), milk/creamer (measure how many tsp/Tbsp per cube - also, some varieties separate, but are still ok for baking when thawed); even dips, including guacamole. Mon, 19 Sep 2011 12:25:00 EST More for your Gym Membership http://www.sparkpeople.com/secrets.asp?tip=36411_more_for_your_gym_membership My YWCA only charges annual membership of about $20 & $40 for a gym membership. Yearly fee gives you access to the Y & its programs. They have a place for children & teens to go if that's needed. The Gym fee though separate gives you 30 visits to the gym from 6am to 11:30pm daily or if you exercise less or only a few days a week at the gym this is perfect. Those 30 days can be used anytime. They don't run out at the end of each month & carry-over until there used up. Sun, 18 Sep 2011 18:20:00 EST Save money: don't play penny auctions http://www.sparkpeople.com/secrets.asp?tip=36371_save_money_dont_play_penny_auctions They sound like you bid a penny each time. But it costs you about 60¢ everytime you place a penny bid. You buy bids ahead of time -- people are surprised to find that their credit card is charged for those bids before they even use them. <br>And think: if a product sells for $20, that means there were 2000 bids on it. If each bid costs 60¢ then the seller is making $1200 minus the $20 it sells for. Wed, 14 Sep 2011 21:47:00 EST Simplify, Spend Less, and Save http://www.sparkpeople.com/secrets.asp?tip=36367_simplify_spend_less_and_save Practicing Suze Orman's mantra "Live below your means, but within your needs." compels one to spend less and simplify their lifestyle. Only if you spend less than you bring in, will you be able to save the difference! Wed, 14 Sep 2011 13:30:00 EST Saving butter wrappers http://www.sparkpeople.com/secrets.asp?tip=36334_saving_butter_wrappres My mom used to save butter and margarine wrappers (folded, in a bag in the fridge) when she removed them from the product, in order to use down the road to grease her casserole dishes (one-time use, each). Not only does it save on oil/Pam spray, but it also keeps your hands from getting messy. Sun, 11 Sep 2011 12:10:00 EST GRANDBABIES'S JAR http://www.sparkpeople.com/secrets.asp?tip=36299_grandbabiess_jar WHEN I BREAK A DOLLAR AND I GET CHANGE BACK, I PUT IT IN A JAR FOR THE GRANDBABIES. BELIEVE IT OR NOT THAT CHANGE ADD UP. WHEN THEY COME TO VISIT OR THEY CALL AND HAVE A NEED, I GIVE THEM THE JAR AND THEY USE IT FOR SCHOOL. THEN I START SAVING AGAIN!!!!!! Thu, 8 Sep 2011 08:40:00 EST My little secret http://www.sparkpeople.com/secrets.asp?tip=36255_my_little_secret Well I guess for me it's giving back to the one who owns all. I do this by giving ten percent to my church ...which is giving back to God what he has blessed me with. Then I save ten percent for myself in an emergency fund. Sometimes that ten% can be small . When my pay is larger so is my tithe. He is always Faithful. <em>306</em> Sun, 4 Sep 2011 19:09:00 EST Plan! Plan! Plan! http://www.sparkpeople.com/secrets.asp?tip=36168_plan_plan_plan My husband wonders what is on my mind. I tell him I am always planning(we are both Type 2 diabetics) what we are eating next, what we just ate, whats in the larder, freezer, fridge<br>and how I'm going to use it so I don't have very much waste of uneaten fresh veggies, fruit, etc. It's just as hard as when I had 5 kids to cook for. <em>334</em> Fri, 26 Aug 2011 19:59:00 EST Better Citizen's http://www.sparkpeople.com/secrets.asp?tip=36138_better_citizens We have three checking accounts with Citizen's bank for free by utilizing multiple withdraws to another bank savings account. We utilize ING Direct for a savings account. Signing up for GreenSense through Citizen's we get 10 cents per transaction that is not a check. We make about $20/month by doing what we already do! Divide withdraws or payments up into smaller amounts to get more money/month! Fri, 26 Aug 2011 09:55:00 EST Saving Bread (pun intended) http://www.sparkpeople.com/secrets.asp?tip=36098_saving_bread_pun_intended There are several ways I save on bread and keep it from molding: freeze it or refrigerate it to extend freshness, dry it to make bread crumbs, use it as a binder for meat loaves, make bread pudding and french toast. And, don't forget to feed our animal friends in the winter! Wed, 24 Aug 2011 12:50:00 EST Fruit organization http://www.sparkpeople.com/secrets.asp?tip=36083_fruit_organization When you buy your whole watermelon, immediately cut it open and cut out the fruit from the rind and place the chunks in containers. This will make for easy enjoyment and keeps your refrigerator free from a large watermelon taking up space. Thus saving you money from having to throw out old watermelon that has not been eaten. Mon, 22 Aug 2011 20:03:00 EST Make Soup!! http://www.sparkpeople.com/secrets.asp?tip=36082_make_soup What a great and healthy way to clean out vegetable drawer or garden! I make soup and freeze in serving sizes, ready for instant lunches Mon, 22 Aug 2011 14:06:00 EST SAVE $$ NO BLEACH USE ASPRIN http://www.sparkpeople.com/secrets.asp?tip=36046_save_no_bleach_use_asprin Crush 5 asprin and add to your whites..perks them up and prevents yellowing.....Crush an asprin make a paste put on a blemish for 15 mintues or A dark colored scare and it will dry up the blemish and lighten the scar Thu, 18 Aug 2011 14:15:00 EST Homemade Body Scrub http://www.sparkpeople.com/secrets.asp?tip=36023_homemade_body_scrub I'm not very crafty or do it yourself, but I have a body scrub addiction and it was starting to cost too much..so I looked into doing it myself and it was so easy! I use good ol' white sugar (you can also use salt or brown sugar for varying textures - I like it rough) and I mixed it with lime infused olive oil. I had that as a gift and am unsure of how much it would cost to buy, but you could use plain olive oil also and then just add some essential oils for yummy scents. Tue, 16 Aug 2011 16:27:00 EST Cut the power bill http://www.sparkpeople.com/secrets.asp?tip=35983_cut_the_power_bill My husband and I discovered we could turn OFF our water heater for 23 hours, and still have plenty of hot water for showers and household needs. Wow! Did that ever make our power bill drop! Sat, 13 Aug 2011 05:04:00 EST Saving a little more http://www.sparkpeople.com/secrets.asp?tip=35982_saving_a_little_more For the last several months, I have been saving my change every day. In addition, whenever I get money that I wasn't planning on, I add it to the same bank. This week, it was savings from coupons. Last week it was $13 for aluminum cans that I recycled. I'm already excited because the bank is starting to get heavy. Every little bit adds up. Sat, 13 Aug 2011 01:18:00 EST Thrifting http://www.sparkpeople.com/secrets.asp?tip=35972_thrifting Thrift store shopping will free up money so you can buy organic and high quality foods, and if you want to you can check out my blog for a how to<br><br>http://niftythriftygoodwill.word<BR>press.com Fri, 12 Aug 2011 10:41:00 EST Child Savings Account http://www.sparkpeople.com/secrets.asp?tip=35971_savings_for_childgrandchild I started a savings account for my 3 children when they were born. Every time they received a monetary gift, large or small, I placed it into their account. Compound interest & investments over time did the rest. Today, that $ was used toward college, a home down payment & a car. I even had an account for my goddaughter who bought her first car! So, I started an account for my grandchildren Oh, I'll buy a present for them to open, but the bulk of their gift is deposited into the account. Fri, 12 Aug 2011 10:34:00 EST Vacation Fund http://www.sparkpeople.com/secrets.asp?tip=35970_vacation_fund I treat myself to a yearly vacation thanks to quitting smoking 9 years ago. I put aside the money I would have spent on cigarrettes toward my vacation fund for the year. Believe me, it all adds up quickly, especially if you smoked a carton per week. I feel better, smell better, and can visit places I used to dream about! Fri, 12 Aug 2011 10:18:00 EST Never Pay Full Price Online http://www.sparkpeople.com/secrets.asp?tip=35959_never_pay_full_price_online This is kind of a no-brainer, two-parter of a secret. If you're going to buy something online make sure you price compare. If there are several sites with similar prices check which one has free shipping, as well as using Google to search for coupons all trusted stores. If you don't find any coupons but don't need the item right away try signing up for a store's enewsletter and watch for a sale. Thu, 11 Aug 2011 22:46:00 EST Free fun for kids http://www.sparkpeople.com/secrets.asp?tip=35946_free_fun_for_kids We started geocaching(theres sites online). Most people have gps apps on their phones now. It uses cordinates to find boxes, some have small tokens you take&place in other locations. Whenever were out&kids say"i'm bored" i pull out my phone&see if we can find a close one. You'd be suprized how many are just feet from you!!! Wed, 10 Aug 2011 22:39:00 EST Bent and Dent http://www.sparkpeople.com/secrets.asp?tip=35943_bent_and_dent I shop at Bent and Dent store for all of my non-perishable foods. Its amazing how much money you can save. I don't care if my cans are dented or boxes are a little smashed. But, I love the extra money we have to spend on other things! Wed, 10 Aug 2011 18:42:00 EST Expiration Date and bulk buying http://www.sparkpeople.com/secrets.asp?tip=35924_expiration_date_and_bulk_buying Most of us shop at Sams, Costco, and others to buy in bulk. Sometimes when you look for the expiration date they are hard to find. If you take a white mailing label "Avery" and write the expiration date on the label with a black shape. This will make it quick and easy to find the oldest products in your pantry. Tue, 9 Aug 2011 21:03:00 EST Vacation Fund http://www.sparkpeople.com/secrets.asp?tip=35916_vacation_fund I really enjoy shopping, but have been trying to be more realistic with what I'm buying. So, when I get to the register, I re-evaluate and put back the extra shirt or accessory that I only sort-of liked. As a reward, I take whatever the cost of the item was that I put back and put that into a little jar for vacation. I know I'll be thankful for putting back an over-priced shirt when I'm sitting on the beach during Spring Break! Tue, 9 Aug 2011 09:22:00 EST Buy Designer Clothing at Goodwill/Salvation Army http://www.sparkpeople.com/secrets.asp?tip=35770_buy_designer_clothing_at_goodwillsalvation_army And I can show you how to on my blog www.niftythriftygoodwill.wordpress.com !! It's surprisingly simple and wow can you save money when you thrift shop. Mon, 1 Aug 2011 23:42:00 EST Planning and Buying for Christmas & Winter Holidays Now http://www.sparkpeople.com/secrets.asp?tip=35753_planning_and_buying_for_christmaswinter_holidays_now I save money on Christmas by approaching it two ways. I use a Christmas account so that I have money for gifts and decorations, etc in November. I also start looking for sales now and buying the things that I can in advance. I buy and address my Christmas cards in the fall. I buy the Christmas stamps when they arrive in the PO. By making purchases early, it saves time and money later. Now is also time to start the craft projects! <em>446</em> Mon, 1 Aug 2011 09:48:00 EST Alcohol http://www.sparkpeople.com/secrets.asp?tip=35728_alcohol When I and my husband dropped alcohol from our diet for weight loss and other health reasons we began saving up to $100 a month. Drinks with dinner for two people can add $20-30 when you add in tax and tip. We're in DC where things are pricey but this may apply to a lesser degree elsewhere. Fri, 29 Jul 2011 14:40:00 EST What to do with change at the end of the day http://www.sparkpeople.com/secrets.asp?tip=35699_what_to_do_with_change_at_the_end_of_the_day At the end of each day, I take all the change out of my coin purse and put it in a container. At the end of the month, I count how much is in the jar and put that amount in away in an envelope. This money then goes to pay for my yearly vacation. You would be surprised how fast it adds up when you do this every day!!! Thu, 28 Jul 2011 09:29:00 EST Make your own Coffee House Drinks and Smoothies http://www.sparkpeople.com/secrets.asp?tip=35694_make_your_own_coffee_house_drinks_and_smoothies I recently bought my a Mr. Coffee Frappe Maker after having one of these made for me. It was just like the ones from Starbucks...saves you a bundle on those expensive frappes! It comes with a terrific recipe booklet..included! <br>I also purchased an inversion blender, Back to Basics brand, for myself. It's compact and makes one or two smoothies that are blended into the cup that you can take with you on the go! I buy over-ripe bananas that are soooo much cheaper. Just peel them and fr... Thu, 28 Jul 2011 07:55:00 EST Who Knew Taxes would help me save. http://www.sparkpeople.com/secrets.asp?tip=35623_who_knew_taxes_would_help_me_save Ok, one year I decided I needed to start saving even if it was just a little because it would be better than not saving at all. Well I was trying to figure out a way to save out of every paycheck and one day I took notice of how little was taken out for Medicare taxes so I told myself I would match this amount every paycheck and at the end of the first year I had saved $550.70 . This was money I didnt miss and I didnt have to touch(Although I took $100.00 out to get me a few new shirts:~)! Mon, 25 Jul 2011 21:49:00 EST Frequent Flyer http://www.sparkpeople.com/secrets.asp?tip=35619_frequent_flyer Our sales start every Friday and the flyers come out the preceding Thursday. I spend Thursday evening scouring the flyers and planning menus based on what's on sale. Also, once I make my list, I stick to it!! <em>203</em> Mon, 25 Jul 2011 19:10:00 EST How to Shop on a Budget http://www.sparkpeople.com/secrets.asp?tip=35582_how_to_shop_on_a_budget I have a new post about how to shop, not just where. It's great! You can save so much money shopping at Goodwill. Check it out :)<br>http://niftythriftygoodwill.wordpres<BR>s.com/2011/07/23/how-to-shop/ Sat, 23 Jul 2011 21:50:00 EST Don't move your car http://www.sparkpeople.com/secrets.asp?tip=35568_dont_move_your_car Are there days in the week when you can make plans to stay put all day long? Park that car and don't move it for the entire day. Clean house, do yard work, walk to the store, play board games. If you think of your vehicle as a huge money drain, which it is, you can plan your week and your chore routes to drive less. Once in awhile, don't move your car at all for 24 hours. Sat, 23 Jul 2011 12:00:00 EST A Little Loose Change http://www.sparkpeople.com/secrets.asp?tip=35540_a_little_loose_change It can go a long way! <br><br>If you are like me and have to do your laundry at a laundromat. It takes a lot of quarters. However, I never carry cash. So I have to get 20 from the ATM. I can get 20 in quarters in the machine. Do my laundry and when I come home any of the quarters that are left go into a change jar. You can use them for the next time you wash clothes or you can get a coffee can and make a note on it. The note can say something like "computer fund" whichever you would like to s... Fri, 22 Jul 2011 03:15:00 EST A Little Loose Change http://www.sparkpeople.com/secrets.asp?tip=35539_a_little_loose_change It can go a long way! <br><br>If you are like me and have to do your laundry at a laundromat. It takes a lot of quarters. However, I never carry cash. So I have to get 20 from the ATM. I can get 20 in quarters in the machine. Do my laundry and when I come home any of the quarters that are left go into a change jar. You can use them for the next time you wash clothes or you can get a coffee can and make a note on it. The note can say something like "computer fund" whichever you would like to s... Fri, 22 Jul 2011 03:15:00 EST bargains http://www.sparkpeople.com/secrets.asp?tip=35495_bargains Try Sciddy.com for a list of discounts in your zip code area. For those who are 50 or older. Savings are be as much as 15 percent. Try it. Wed, 20 Jul 2011 23:35:00 EST Low Cost Rainy Day Fun http://www.sparkpeople.com/secrets.asp?tip=35489_low_cost_rainy_day_fun I get paper bags when I shop & use them as art paper. Pictures from old magazines, something to draw with, scissors & glue and imagination can produce many different projects for very little money. Wed, 20 Jul 2011 20:59:00 EST Set monthly grocery budget and use cash only http://www.sparkpeople.com/secrets.asp?tip=35482_set_monthly_grocery_budget_and_use_cash_only Now that I am all about using cash. I set a monthly grocery budget of $520 for a family of 3. Food money will include all grocery trips and eating out. Now with 11 days left in July and I have only about $105 to spend. Suddenly, I know that I can only get the essentials - fresh produce. No more snacks aka junk food. Look through the pantry and find a recipe to work with what I have. Not only I am saving money, I am also losing weight! Wed, 20 Jul 2011 17:22:00 EST Fresh Frozen Fruit http://www.sparkpeople.com/secrets.asp?tip=35479_fresh_frozen_fruit I love my fresh fruit, but I found I was wasting my money when the fruit would go bad before I could finish it. Now to save money if it gets close to browning or going bad I now fresh freeze it. Slice it into small peices and reuse the fresh frozen for smoothies or fruit salad as needed!!! Wed, 20 Jul 2011 13:21:00 EST An Oldie But Goodie. Another Great Book Full of Financial Wisdom http://www.sparkpeople.com/secrets.asp?tip=35445_an_oldie_but_goodie_another_great_book_full_of_financial_wisdom The Richest Man in Babylon by George S. Clason is full of financial wisdom! It's a fast read and you can find it free at your local library. I highly recommend this book! Tue, 19 Jul 2011 20:27:00 EST Avoid late payments with automatic bill pay http://www.sparkpeople.com/secrets.asp?tip=35437_avoid_late_payments_with_automatic_bill_pay I use online banking to make sure all of my bills are paid on time. To avoid missed or late payments, I set up a monthly payment for each one that will cover at least the minimum amount. Once or twice a month, I review and adjust the payments as needed to match the actual amount due for each bill. However, if something happens that forces me to forget to adjust the payment, the standard amount will be sent on time, thus keeping me from being charged a late fee. <br> <em>104</em> Tue, 19 Jul 2011 18:00:00 EST SHOP AT ETHINIC MARKETS http://www.sparkpeople.com/secrets.asp?tip=35430_shop_at_ethinic_markets I recently discovered an Asian Food Market. As I walked through looking at what they had I got stuck in the meat department. Their ground beef "looked" extremely lean, the packaged was marked "market trim" (?) and it was only $1.99 per pound. When I cooked this meat there was VERY little fat that came out. In a side by side comparison it was a little leaner than the 93/7% lean meat I can my at the regular market for $4.99 pound. So don't pay money for the fat! Tue, 19 Jul 2011 16:13:00 EST THE TRUTH ABOUT SAVING MONEY!! http://www.sparkpeople.com/secrets.asp?tip=35376_the_truth_about_saving_money One really good way to save money, is by not giving it to your husband!!! Men always 'think' women spend money..but we 'know' the truth, they are the ones that like to spend money!!! <em>306</em> Mon, 18 Jul 2011 16:15:00 EST What to do with leftovers. http://www.sparkpeople.com/secrets.asp?tip=35360_what_to_do_with_leftovers Don't throw food away. Enjoy your leftovers tomorrow for lunch or, yes, breakfast. You made it healthy to begin with; it will be healthy all over again. Every time you chunk food in the garbage, envision dollar bills you're throwing out, because that's what's really happening. If you hate leftovers, shop for and prepare exactly what you'll eat and no more. What to do with leftovers? Eat them! Mon, 18 Jul 2011 11:10:00 EST slight mush fruit sequel http://www.sparkpeople.com/secrets.asp?tip=35356_slight_mush_fruit_sequel another thing you can do with that slighty mushy fruit, like banana or apples is to wrap them in foil and put them in a baking dish and bake them for about 30 minutes in a 350 degree oven. they come out very mushy and OH SO SWEET with out the addition of any sweetener. add a little cinnamon or milk to taste and it's dessert time! <em>334</em> Mon, 18 Jul 2011 10:46:00 EST MAMAS PIGGIE BANK http://www.sparkpeople.com/secrets.asp?tip=35352_mamas_piggie_bank EVERY TIME YOU GET A DOLLAR BILL, PUT IT IN A 5 GAL WETER JUG ( EMPTY ! ) AND SAVE YOUR SILVER IN ANOTHER ONE AND THE SAME WITH YOUR PENNIES. DO NOT TOUCH IT ! IT WORKS !! <em>306</em> Mon, 18 Jul 2011 09:28:00 EST Jeans for $8 http://www.sparkpeople.com/secrets.asp?tip=35339_jeans_for_8 I have a new blog post about how to shop for designer jeans in thrift stores! <br>http://niftythriftygoodwill.wordpress.<BR>com/<br>check it out and feel free to leave comments! Sun, 17 Jul 2011 22:06:00 EST Free Valuable Financial Information Waiting for You at Your Local Library http://www.sparkpeople.com/secrets.asp?tip=35337_check_out_david_bachs_books_from_your_library_and_get_your_finances_in_order Years ago I went to the library and checked out a book by David Bach titled: Single Women Finish Rich. Reading the book and doing various recommended exercises has totally changed my life and financial picture. The " Latte Factor" exercise was an eye opener and wake up call. He has a series a books....all of which are worth reading. Check him out. Sun, 17 Jul 2011 20:40:00 EST Buffalo Exchange http://www.sparkpeople.com/secrets.asp?tip=35304_buffalo_exchange While cleaning out the closets, or looking for clothes for your new size, consider Buffalo Exchange. You can trade in your old, clean clothes for a store credit or cash. One friend who recently lost 80 pounds kept recycling three pairs of jeans. As she lost a size, she took back three pairs and picked up three pairs in her new size. <br><br>It's also a great way to clean out the closet.<br><br>Also check out Play It Again for buying and selling used sports equipment. Sun, 17 Jul 2011 08:02:00 EST Waste not want not http://www.sparkpeople.com/secrets.asp?tip=35302_waste_not_want_not If you have come to the end of your bubble bath put the container in the washing machine, it can be used to make your clothes smell nice and it also washes out the bottle for recycling Sun, 17 Jul 2011 05:14:00 EST Cut out store ads to ensure you get the right price. http://www.sparkpeople.com/secrets.asp?tip=35290_cut_out_store_ads_to_ensure_you_get_the_right_price Just because an item is on sale in the ad doesn't mean the store has the correct sale price in their computer system. When checkout clerks are instructed to be as fast as possible it is easy to miss if you've been charged the wrong price. When you are buying a sale item from an ad, cut the ad info out and bring it with to prove to the clerk if it rings up wrong. Even if only 1 item in 100 is wrong, it still might cost you significantly. Sat, 16 Jul 2011 17:28:00 EST Laundry detergent trick! http://www.sparkpeople.com/secrets.asp?tip=35281_laundry_detergent_trick I have a great trick to save money while getting your clothes clean: You use 1/2 of what the detergent says to use. I know a lot of people do this but it really does work and it gets your clothes just as clean! Sat, 16 Jul 2011 12:57:00 EST Save money on car repairs http://www.sparkpeople.com/secrets.asp?tip=35261_save_money_on_car_repairs If you get a "check engine light" take your car to one of the chain auto parts stores. They have OBDII code readers and can tell you what's wrong with your car for free. It may be a simple and cheap fix such as a leaky vacuum hose or leaky gas cap. Or, it may be an easy to replace part that you, or a handy friend, can switch out for you. It's worth a try and can save hundreds of dollars. Sat, 16 Jul 2011 01:14:00 EST Why leave money on the table! http://www.sparkpeople.com/secrets.asp?tip=35136_why_leave_money_on_the_table Mr. A spends his cash and puts his left over extra change in his jar. He feels good. Mr. B gets a no annual fee credit card, a free $25 sign up bonus, watches his expenses, pays off entire balance at the end of each month, then gets FREE reward dollars direct deposited in his savings account monthly and therefore gets another small interest bonus! He feels great as his "jar" grows much faster! Thu, 14 Jul 2011 09:18:00 EST Clothes shopping & bras http://www.sparkpeople.com/secrets.asp?tip=35121_clothes_shopping_bras If you want to buy better quality clothes because they last longer and look better, or you find certain brands are the only ones that fit you well, try looking on Oxfam's second hand store website where you can search for particular brands and sizes, and you can specify brand new items still with tags on, so you can even get decent bras new at reduced cost- the range of sizes varies depending on what's been donated, but I have seen some of the harder to find sizes as well as the standard ones... Thu, 14 Jul 2011 06:25:00 EST Stop Paying Retail http://www.sparkpeople.com/secrets.asp?tip=35087_stop_paying_retail I have a new post on my blog! It'll show you an outfit that cost about 10% of the retail cost...and is super cute. STOP PAYING RETAIL! Wed, 13 Jul 2011 12:15:00 EST Kindle for free http://www.sparkpeople.com/secrets.asp?tip=35059_kindle_for_free Did you know that you can download Kindle for your computer or Droid for free? Not only that, they have hundreds of classic books for free as well. Dickens, Austen, wonderful literature. And a ton of books for kids. It's the summer - get them reading! Wed, 13 Jul 2011 05:34:00 EST Coupon + Sale = Savings http://www.sparkpeople.com/secrets.asp?tip=35025_coupon_sale_savings I only use my coupons when things are on clearance or on sale in the grocery stores. You can usually combine the two discounts for added savings. Tue, 12 Jul 2011 12:51:00 EST Tan on the CHEAP http://www.sparkpeople.com/secrets.asp?tip=35021_tan_on_the_cheap If you love the look of tan legs & face, but don't want to go out in the sun or buy the expensive self tanners, I have a secret for you! Tue, 12 Jul 2011 12:09:00 EST 99 ways to save money http://www.sparkpeople.com/secrets.asp?tip=35002_99_ways_to_save_money If you are a member of AARP or know someone who is, check out the August/September 2011 AARP Bulletin for a pull-out section featuring 99 ways to save money. Notbody can do all 99, but I'm sure you will find at least a few you haven't thought of before. Tue, 12 Jul 2011 08:22:00 EST Special Offers http://www.sparkpeople.com/secrets.asp?tip=34981_special_offers If you are tempted to make an impulse buy. <em>227</em> , or you are too tired or rushed to evaluate it there and then, or you can see it is a good offer but you are without the car/have too much shopping to carry already/are on route and can't get it in the freezer, there is (in most/many shops in the uk) an end date for the offer. This gives me time to cool off on impulse buys <em>30</em> , and I know if I need to make a special trip for a good offer, or if it can wait. Mon, 11 Jul 2011 18:21:00 EST Paying cash as much as you can http://www.sparkpeople.com/secrets.asp?tip=34973_paying_cash_as_much_as_you_can I took Dave Ramsey's Financial Peace University class and one big change I finally made is to pay cash as much as I can. Really, it hurts when you pay cash mentally. So I really avoid spending cash and if I must, I often ask myself - do I really need this? I end up spending less and I think I've saved myself $200 so far in 10 days for not wanting to part way with my hard earned money. Mon, 11 Jul 2011 15:27:00 EST Smart swap: Frozen berries http://www.sparkpeople.com/secrets.asp?tip=34954_smart_swap_frozen_berries <br>Fresh berries are often very expensive, especially when they are out of season. Frozen berries cost much less and they’re just as nutritious for you. Plus, with frozen berries, you don’t have to worry about eating them before they go bad. Throwing away rotten food is like wasting money! <br> Mon, 11 Jul 2011 11:02:00 EST Nifty Thrifty http://www.sparkpeople.com/secrets.asp?tip=34953_nifty_thrifty I have a new post on my blog, a lesson on where to shop when you're on a budget. Leave a comment!<br><br>http://niftythriftygoodwil<BR>l.wordpress.com/ Mon, 11 Jul 2011 11:00:00 EST How to Shop on a Budget http://www.sparkpeople.com/secrets.asp?tip=34930_how_to_shop_on_a_budget I have an amazing new blog about how to shop at Goodwill (yeah, I swear you can!) http://niftythriftygoodwill.wordpress.com/<BR><br>you can save thousands of dollars shopping this way, and still look fabulous. Use that saved money to buy good, organic food or go on a stress reducing vacation. Clothing shouldn't be a huge expense in your life...and I can show you how to do it. Sun, 10 Jul 2011 16:58:00 EST Check Out Podcasts http://www.sparkpeople.com/secrets.asp?tip=34905_check_out_podcasts Money girl's Quick and Dirty Tips for a Richer Life for one! Sun, 10 Jul 2011 09:57:00 EST Save money making a single cup of coffee http://www.sparkpeople.com/secrets.asp?tip=34843_save_money_making_a_single_cup_of_coffee I'm the only coffee drinker in my household. A full pot of coffee encouraged me to drink more than I wanted/needed. The single cup coffee makers (like Keurig) seemed expensive. And don't get me started on "premium" coffee shops!<br><br>I started making a coffee concentrate with 1 scoop coffee in 2 oz of water. (I make 30oz at a time). Keep in the refrigerator. When you want a cup, mix 2 oz of mix with 4-6 oz of hot water and Voila! A single cup of coffee that's no more expensive than makin... Sat, 9 Jul 2011 08:54:00 EST A Forget-About-Me Piggybank http://www.sparkpeople.com/secrets.asp?tip=34839_a_forgetaboutme_piggybank I stash dollar bills I get in change from my purchases at the convenience store in the secret compartment in the console between the front seats of my vehicle. Every few weeks I straighten up the money, and count it, and last week I had $60 in my secret stash. I consider it emergency money for when I'm on the road. Sat, 9 Jul 2011 07:55:00 EST Treadmills on the cheap http://www.sparkpeople.com/secrets.asp?tip=34813_treadmills_on_the_cheap Other people break their New Year's Resolutions, too--try looking for treadmills on craigslist! Fri, 8 Jul 2011 16:11:00 EST Saving Money to Donate to a Worthy Cause http://www.sparkpeople.com/secrets.asp?tip=34775_saving_money_to_donate_to_a_worthy_cause Whenever I've been out and about and have spent money I always wind up with a pocket full of change. Every night when I get home I put all that change into my alabaster box (the money goes towards building new churches.) I'm helping someone while keeping myself from having change all over and feeling like a wonderful person! Fri, 8 Jul 2011 03:17:00 EST True coupon savings... http://www.sparkpeople.com/secrets.asp?tip=34750_true_coupon_savings When I started using coupons, I was discouraged that I couldn't use a coupon for every item bought. Then I realized that some items were actually less w/o a coupon which led me to a secret of true savings.<br>I still shop sales and try to attach coupons when I can but instead of counting money saved, I divide total items purchased, found at the bottom of the receipt, into total $ spent. This gives me $/item. I am giddy when I spend only $1.50 for laundry soap, meat, beauty care, etc! Thu, 7 Jul 2011 13:54:00 EST Used Books Save $$$ http://www.sparkpeople.com/secrets.asp?tip=34715_used_books_save_ Amazon, Half Price Books, and even thrift stores are the source of a large percentage of books I own. I'm horrible about returning rented books and most of the bestsellers I've found sold from $1.99 a huge savings from the originally priced @ $25. Wed, 6 Jul 2011 21:49:00 EST Saving money/ losing weight http://www.sparkpeople.com/secrets.asp?tip=34693_saving_money_losing_weight For someone who's goal is to eat out less, you could try this. Think about how much you would've spend if you would've gone out to eat (say you spend an average of $8 for lunch {8*5*4=160}) and put that money into a savings account. Act as though the money is gone and before you know it, you'll be eating out less, losing weight, and saving for something great (vacation, clothing, etc.). <em>224</em> <em>250</em> Wed, 6 Jul 2011 13:23:00 EST For your hand washables. http://www.sparkpeople.com/secrets.asp?tip=34673_for_your_hand_washables For my hand washables, I use Suave baby shampoo instead of Woolite. It's so much cheaper, has the same gentleness on the fabric and smells great! Wed, 6 Jul 2011 04:06:00 EST New Books http://www.sparkpeople.com/secrets.asp?tip=34669_new_books Can't wait to read, the latest book, from your favorite author? Be sure to have it reserved at the Library as soon as you hear about it. <em>31</em> Tue, 5 Jul 2011 21:48:00 EST saving money http://www.sparkpeople.com/secrets.asp?tip=34656_saving_money coupons are an excellent way to save money. By saving on essentials I have more money to spend ont he healthy foods that I need to help loose weight. Tue, 5 Jul 2011 12:27:00 EST Save Soda Bottles http://www.sparkpeople.com/secrets.asp?tip=34651_save_soda_bottles If you buy a soda (the small 20 oz bottle) while out and about, save your bottle after you're finished. Take it home, wash it, and fill it with water. If you prefer your water cold put it in the fridge. Then grab it when you need to exercise or go out and about again. It's all ready and you have 2 servings of water right there. You can keep re0using as long as you like. Save money and helps you get in your 8 water a day. Tue, 5 Jul 2011 10:44:00 EST Split a meal out. http://www.sparkpeople.com/secrets.asp?tip=34621_split_a_meal_out When I go out with my girlfriends for dinner we split the entry. Serving is too big anyways. We skip on the drinks. No guilt about spending money or eating too much. Mon, 4 Jul 2011 12:18:00 EST Loose Change http://www.sparkpeople.com/secrets.asp?tip=34620_loose_change Pennies, nickels, and dimes add up rather quickly. Every evening I put all of my change in an old 1-gallon water jug. As a plus, since I don't have a lot change in my wallet I don't have coins to feed the vending machine <em>30</em> Mon, 4 Jul 2011 12:09:00 EST Save money, save water! http://www.sparkpeople.com/secrets.asp?tip=34618_save_money_save_water When the yard needs some water and the car needs a bath I combine the two by pulling the car onto the yard and give it a good water cleanse. I found you really don't need soap, just elbow grease, to clean the car and it really helps the yard. I feel soon water will be a very important commodity so why waste it at a car wash? Mon, 4 Jul 2011 11:28:00 EST something to remind me not to spend money. http://www.sparkpeople.com/secrets.asp?tip=34603_something_to_remind_me_not_to_spend_money I have been wearing this bracelet that says w.w.J. D. and when I want to buy something I don't need I look at it and think about bills and saving and if it's a need and I really need it I buy it, but if it's just a want I don't but it. It helps me not to blow my money. Mon, 4 Jul 2011 00:18:00 EST Birthday Freebies http://www.sparkpeople.com/secrets.asp?tip=34587_birthday_freebies Many of your favorite stores probably have an e-club that have free or discounted offers for your birthday. Here are some of my favorite sites that have stores and their birthday freebies listed! Its a great way to get out of the house and have a nice outing for free. <br><br>http://www.frugalliving.tv/free-st<BR>uff/birthday-freebies.html<br><br>http<BR>://www.heyitsfree.net/2006/10/03/birth<BR>day-freebies/<br> Sun, 3 Jul 2011 16:17:00 EST DIY http://www.sparkpeople.com/secrets.asp?tip=34571_diy A couple of years ago, I started making all of my laundry soap, dish soap and fabric softener. It costs pennies to make, works just as well and keeps all of that nasty packaging out of the trash. I've even made my own sugar scrub for a treat in the shower! There are lots of recipes for homemade products online - it's really worth the search &#9829;<br> Sun, 3 Jul 2011 05:17:00 EST Freecycle http://www.sparkpeople.com/secrets.asp?tip=34566_freecycle I have been using freecycle.org to get rid of unwanted items & get what I need. The only downfall I have consistantly had is that I tend to run into some flaky people when it comes to being on time to pick an item up from me. Other than that, I've gotten some cool things & gifted some as well. :) Sat, 2 Jul 2011 23:54:00 EST Make list of free pleasant activities, post where you see it, and DO THEM! http://www.sparkpeople.com/secrets.asp?tip=34558_list_free_pleasant_activities_and_keep_where_you_can_see_it_and_do_them This helps keeps you from the "I don't have any money" Blues. Some examples of mine: spend 15 min looking at funny cards/ jokes/ etc., listen to favorite music, open my organized drawer and stare at it for a minute, spray favorite perfume in room, chat with friend, give/get a hug.... etc. Sat, 2 Jul 2011 18:48:00 EST